EN DE
STOCK COMPARISON

DBS Group Holdings vs PNC Financial Services Group: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and PNC Financial Services Group (PNC) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees PNC Financial Services Group as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.39 (-48%), while PNC Financial Services Group trades at $223 versus $160 (-29%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.48
Fair ValueS$40.39
Quality65/100
PNC Financial Services Group
PNC · USD · Financials
-29%
upside to fair value
overvalued
Price$223
Fair Value$160
Quality61/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

DBS Group HoldingsPNC Financial Services Group
Valuation
19.8×P/E (TTM)13.0×
7.58×P/S (TTM)4.39×
2.49×P/B1.67×
n/aEV/EBITDA13.8×
2.63×PEG2.00×
−47.9%Fair value upside−28.6%
3.7%Dividend yield3.0%
S$2.85Dividend per share$6.70
Profitability
61%Operating margin37%
0.99×EBIT margin trend (5Y)1.44×
16%Return on equity12%
1%Return on assets1%
Growth
7%Revenue growth (YoY)14%
11.6%Avg. growth/yr (3Y)10.0%
9.4%Avg. growth/yr (5Y)11.4%
+12.7%Value creation/yr+11.0%
Balance & size
0.6×Interest coverage (EBIT/interest)0.8×
0.69×Debt / equity0.94×
$172BMarket cap$101B
healthyGrowth qualitymixed

PNC Financial Services Group leads: 6 to 8 metric wins.

n/a = 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 94 PNC Financial Services Groupof which business quality 54 · market factors 58
ProfitabilityMargins and returns on capital today
38
34
Quality GrowthAre margins and returns improving?
54
60
CashflowEarnings quality: real cash, not paper profit
84
57
Fin. StrengthBalance sheet, leverage, solvency risk
56
23
InvestmentDisciplined investing over empire-building
78
82
Low VolatilityCalm price path (market factor)
100
77
MomentumPrice trend over the last 3–12 months (market factor)
88
48
52W MomentumDistance to the 52-week high (market factor)
98
53
Net IssuanceShare count: buybacks or dilution?
65
97

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$77.48PNC Financial Services GroupPrice $223
Dividend Discount-35%below the priceS$50.43-44%below the price$125
Multiples-46%below the priceS$41.94-2%close to the price$218
Asset-Based-79%below the priceS$16.22-55%below the price$101
Economic Profit-60%below the priceS$31.19-29%below the price$159
Minimum-79%below the priceS$16.22-55%below the price$101
Maximum-35%below the priceS$50.43-2%close to the price$218
Median-53%below the priceS$36.57-36%below the price$142
Geometric mean-58%below the priceS$32.16-35%below the price$145

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.

PNC Financial Services Group: 5 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

DBS Group Holdings
Price S$77.48
Fair Value S$40.39
Bear S$29.31Bull S$50.48
PNC Financial Services Group
Price $223
Fair Value $160
Bear $138Bull $241

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

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-48% · bottom 25%

PNC Financial Services Group · Financials

Quality score61 · above median
Fair value upside-29% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees PNC Financial Services Group as the less overvalued of the two: DBS Group Holdings trades at S$77.48 versus a fair value of S$40.39 (-48%), while PNC Financial Services Group trades at $223 versus $160 (-29%).

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

Open PNC Financial Services Group live analysis →

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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