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STOCK COMPARISON

DBS Group Holdings vs Powszechna Kasa Oszczednosci Bank Polski: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Powszechna Kasa Oszczednosci Bank Polski (PKO) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Powszechna Kasa Oszczednosci Bank Polski 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 Powszechna Kasa Oszczednosci Bank Polski trades at PLN 117 versus PLN 85.97 (-26%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Powszechna Kasa Oszczednosci Bank Polski
PKO.WAR · PLN · Financials
-26%
upside to fair value
overvalued
PricePLN 117
Fair ValuePLN 85.97
Quality53/100
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Head-to-head numbers

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

DBS Group HoldingsPowszechna Kasa Oszczednosci Bank Polski
Valuation
18.7×P/E (TTM)12.4×
7.23×P/S (TTM)1.23×
2.34×P/B0.61×
—EV/EBITDA3.4×
3.44×PEG1.45×
−48.5%Fair value upside−26.5%
3.6%Dividend yield5.3%
S$2.85Dividend per sharePLN 6.14
Profitability
60%Operating margin59%
0.99×EBIT margin trend (5Y)—
16%Return on equity19%
1%Return on assets2%
Growth
3%Revenue growth (YoY)0%
11.6%Avg. growth/yr (3Y)21.5%
9.4%Avg. growth/yr (5Y)16.3%
+12.6%Value creation/yr+22.7%
Balance & size
0.6×Interest coverage (EBIT/interest)1.5×
0.69×Debt / equity0.63×
$161BMarket cap$36B
healthyGrowth qualityhealthy

Powszechna Kasa Oszczednosci Bank Polski leads: 1 to 12 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 Powszechna Kasa Oszczednosci Bank Polskiof which business quality 49 · market factors 88
ProfitabilityMargins and returns on capital today
38
41
Quality GrowthAre margins and returns improving?
54
33
CashflowEarnings quality: real cash, not paper profit
84
83
Fin. StrengthBalance sheet, leverage, solvency risk
56
14
InvestmentDisciplined investing over empire-building
78
48
Low VolatilityCalm price path (market factor)
99
82
MomentumPrice trend over the last 3–12 months (market factor)
91
85
52W MomentumDistance to the 52-week high (market factor)
100
100
Net IssuanceBuybacks instead of dilution
65
82

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$78.65Powszechna Kasa Oszczednosci Bank PolskiPrice PLN 117
Dividend Discount-30%below the priceS$54.87n/a
Multiples-47%below the priceS$42.04-24%below the pricePLN 88.32
Asset-Based-79%below the priceS$16.26-73%below the pricePLN 31.36
Economic Profit-59%below the priceS$32.23-37%below the pricePLN 74.14
Minimum-79%below the priceS$16.26-73%below the pricePLN 31.36
Maximum-30%below the priceS$54.87-24%below the pricePLN 88.32
Median-53%below the priceS$37.13-37%below the pricePLN 74.14
Geometric mean-58%below the priceS$33.16-50%below the pricePLN 59.00

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.

Powszechna Kasa Oszczednosci Bank Polski: 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)
Powszechna Kasa Oszczednosci Bank Polski
Bear PLN 64.48Fair Value PLN 85.97Bull PLN 107
PLN 117 = 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%

Powszechna Kasa Oszczednosci Bank Polski · Financials

Quality score53 · below median
Fair value upside-26% · below median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Powszechna Kasa Oszczednosci Bank Polski 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 Powszechna Kasa Oszczednosci Bank Polski trades at PLN 117 versus PLN 85.97 (-26%).

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

See the full analysis →
DBS Group Holdings · Powszechna Kasa Oszczednosci Bank Polski

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