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STOCK COMPARISON

DBS Group Holdings vs Grupo Financiero Galicia S.A.: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Grupo Financiero Galicia S.A. (GGAL) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while Grupo Financiero Galicia S.A. trades at ARS 7,075 versus ARS 1,929 (-73%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Grupo Financiero Galicia S.A.
GGAL.BA · ARS · Financials
-73%
upside to fair value
overvalued
PriceARS 7,075
Fair ValueARS 1,929
Quality28/100
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Head-to-head numbers

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

DBS Group HoldingsGrupo Financiero Galicia S.A.
Valuation
18.7×P/E (TTM)153.8×
7.23×P/S (TTM)2.16×
2.34×P/B1.69×
3.44×PEG0.02×
−48.5%Fair value upside−72.7%
3.6%Dividend yield—
S$2.85Dividend per share—
Profitability
60%Operating margin2%
0.99×EBIT margin trend (5Y)0.60×
16%Return on equity1%
1%Return on assets0%
Growth
3%Revenue growth (YoY)-15%
11.6%Avg. growth/yr (3Y)131.0%
9.4%Avg. growth/yr (5Y)108.7%
+12.6%Value creation/yr+49.1%
Balance & size
0.6×Interest coverage (EBIT/interest)—
0.69×Debt / equity0.37×
$161BMarket cap$9B
healthyGrowth qualityexpensive

Grupo Financiero Galicia S.A. leads: 6 to 7 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.

DBS Group Holdingsof which business quality 61 · market factors 96 Grupo Financiero Galicia S.A.of which business quality 31 · market factors 47
ProfitabilityMargins and returns on capital today
38
14
Quality GrowthAre margins and returns improving?
54
14
CashflowEarnings quality: real cash, not paper profit
84
0
Fin. StrengthBalance sheet, leverage, solvency risk
56
68
InvestmentDisciplined investing over empire-building
78
32
Low VolatilityCalm price path (market factor)
99
50
MomentumPrice trend over the last 3–12 months (market factor)
91
40
52W MomentumDistance to the 52-week high (market factor)
100
53
Net IssuanceBuybacks instead of dilution
65
63

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 familyDBS Group HoldingsPrice S$78.65Grupo Financiero Galicia S.A.Price ARS 7,075
Dividend Discount-30%below the priceS$54.87n/a
Multiples-47%below the priceS$42.04-72%below the priceARS 1,985
Asset-Based-79%below the priceS$16.26-54%below the priceARS 3,240
Economic Profit-59%below the priceS$32.23-52%below the priceARS 3,423
Minimum-79%below the priceS$16.26-72%below the priceARS 1,985
Maximum-30%below the priceS$54.87-52%below the priceARS 3,423
Median-53%below the priceS$37.13-54%below the priceARS 3,240
Geometric mean-58%below the priceS$33.16-60%below the priceARS 2,802

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%.

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

Grupo Financiero Galicia S.A.: 4 of 4 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.

DBS Group Holdings
Bear S$30.36Fair Value S$40.48Bull S$50.60
S$78.65 = current price (white tick)
Grupo Financiero Galicia S.A.
Bear ARS 1,447Fair Value ARS 1,929Bull ARS 2,412
ARS 7,075 = 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.

DBS Group Holdings · Financials

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

Grupo Financiero Galicia S.A. · Financials

Quality score28 · bottom 25%
Fair value upside-73% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while Grupo Financiero Galicia S.A. trades at ARS 7,075 versus ARS 1,929 (-73%).

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

See the full analysis →
DBS Group Holdings · Grupo Financiero Galicia S.A.

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