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STOCK COMPARISON

DBS Group Holdings vs Intesa Sanpaolo SpA: Fair Value & Quality

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

As of Sep 5, 2026, Fair Value Calculator sees Intesa Sanpaolo SpA 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 Intesa Sanpaolo SpA trades at €6.74 versus €5.66 (-16%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Intesa Sanpaolo SpA
ISP.MI · EUR · Financials
-16%
upside to fair value
overvalued
Price€6.74
Fair Value€5.66
Quality63/100
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Head-to-head numbers

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

DBS Group HoldingsIntesa Sanpaolo SpA
Valuation
18.7×P/E (TTM)12.2×
7.23×P/S (TTM)5.33×
2.34×P/B2.13×
3.44×PEG2.01×
−48.5%Fair value upside−16.0%
3.6%Dividend yield5.3%
S$2.85Dividend per share€0.36
Profitability
60%Operating margin60%
0.99×EBIT margin trend (5Y)1.82×
16%Return on equity14%
1%Return on assets1%
Growth
3%Revenue growth (YoY)4%
11.6%Avg. growth/yr (3Y)8.3%
9.4%Avg. growth/yr (5Y)7.5%
+12.6%Value creation/yr+25.2%
Balance & size
0.6×Interest coverage (EBIT/interest)1.4×
0.69×Debt / equity2.06×
$161BMarket cap$139B
healthyGrowth qualityhealthy

Intesa Sanpaolo SpA leads: 3 to 9 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 Intesa Sanpaolo SpAof which business quality 55 · market factors 78
ProfitabilityMargins and returns on capital today
38
37
Quality GrowthAre margins and returns improving?
54
42
CashflowEarnings quality: real cash, not paper profit
84
73
Fin. StrengthBalance sheet, leverage, solvency risk
56
16
InvestmentDisciplined investing over empire-building
78
90
Low VolatilityCalm price path (market factor)
99
78
MomentumPrice trend over the last 3–12 months (market factor)
91
76
52W MomentumDistance to the 52-week high (market factor)
100
84
Net IssuanceBuybacks instead of dilution
65
100

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$78.65Intesa Sanpaolo SpAPrice €6.74
Dividend Discount-30%below the priceS$54.87-29%below the price€4.81
Multiples-47%below the priceS$42.04-10%close to the price€6.06
Asset-Based-79%below the priceS$16.26-63%below the price€2.49
Economic Profit-59%below the priceS$32.23-33%below the price€4.48
Minimum-79%below the priceS$16.26-63%below the price€2.49
Maximum-30%below the priceS$54.87-10%close to the price€6.06
Median-53%below the priceS$37.13-31%below the price€4.65
Geometric mean-58%below the priceS$33.16-37%below the price€4.25

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.

Intesa Sanpaolo SpA: 5 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.

DBS Group Holdings
Bear S$30.36Fair Value S$40.48Bull S$50.60
S$78.65 = current price (white tick)
Intesa Sanpaolo SpA
Bear €4.25Fair Value €5.66Bull €7.08
€6.74 = 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%

Intesa Sanpaolo SpA · Financials

Quality score63 · Top 25%
Fair value upside-16% · below median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Intesa Sanpaolo SpA 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 Intesa Sanpaolo SpA trades at €6.74 versus €5.66 (-16%).

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

See the full analysis →
DBS Group Holdings · Intesa Sanpaolo SpA

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