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STOCK COMPARISON

BPER Banca SpA vs DBS Group Holdings: Fair Value & Quality

Both stocks run through our valuation models. Here is how BPER Banca SpA (BPE) and DBS Group Holdings (D05) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees BPER Banca SpA as the less overvalued of the two: BPER Banca SpA trades at €14.27 versus a fair value of €9.10 (-36%), while DBS Group Holdings trades at S$78.65 versus S$40.48 (-49%).
BPER Banca SpA
BPE.MI · EUR · Financials
-36%
upside to fair value
overvalued
Price€14.27
Fair Value€9.10
Quality43/100
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

BPER Banca SpADBS Group Holdings
Valuation
14.1×P/E (TTM)18.7×
5.82×P/S (TTM)7.23×
2.15×P/B2.34×
21.6×EV/EBITDA—
0.65×PEG3.44×
−36.3%Fair value upside−48.5%
4.6%Dividend yield3.6%
€0.65Dividend per shareS$2.85
Profitability
61%Operating margin60%
1.27×EBIT margin trend (5Y)0.99×
13%Return on equity16%
1%Return on assets1%
Growth
51%Revenue growth (YoY)3%
21.3%Avg. growth/yr (3Y)11.6%
20.6%Avg. growth/yr (5Y)9.4%
+25.2%Value creation/yr+12.6%
Balance & size
1.2×Interest coverage (EBIT/interest)0.6×
1.20×Debt / equity0.69×
$36BMarket cap$161B
healthyGrowth qualityhealthy

BPER Banca SpA leads: 12 to 1 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

BPER Banca SpAof which business quality 43 · market factors 85 DBS Group Holdingsof which business quality 61 · market factors 96
ProfitabilityMargins and returns on capital today
35
38
Quality GrowthAre margins and returns improving?
53
54
CashflowEarnings quality: real cash, not paper profit
93
84
Fin. StrengthBalance sheet, leverage, solvency risk
22
56
InvestmentDisciplined investing over empire-building
45
78
Low VolatilityCalm price path (market factor)
78
99
MomentumPrice trend over the last 3–12 months (market factor)
84
91
52W MomentumDistance to the 52-week high (market factor)
94
100
Net IssuanceBuybacks instead of dilution
0
65

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyBPER Banca SpAPrice €14.27DBS Group HoldingsPrice S$78.65
Dividend Discountn/a-30%below the priceS$54.87
Multiples-21%below the price€11.24-47%below the priceS$42.04
Asset-Based-63%below the price€5.33-79%below the priceS$16.26
Economic Profit-43%below the price€8.19-59%below the priceS$32.23
Minimum-63%below the price€5.33-79%below the priceS$16.26
Maximum-21%below the price€11.24-30%below the priceS$54.87
Median-43%below the price€8.19-53%below the priceS$37.13
Geometric mean-45%below the price€7.89-58%below the priceS$33.16

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

BPER Banca SpA: 4 of 4 models see the stock below the current price.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

BPER Banca SpA
Bear €6.83Fair Value €9.10Bull €11.36
€14.27 = current price (white tick)
DBS Group Holdings
Bear S$30.36Fair Value S$40.48Bull S$50.60
S$78.65 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

BPER Banca SpA · Financials

Quality score43 · bottom 25%
Fair value upside-36% · below median

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-49% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees BPER Banca SpA as the less overvalued of the two: BPER Banca SpA trades at €14.27 versus a fair value of €9.10 (-36%), while DBS Group Holdings trades at S$78.65 versus S$40.48 (-49%).

DBS Group Holdings has the higher quality score (65/100).

See the full analysis →
BPER Banca SpA · DBS Group Holdings

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.