Amalgamated Bank (AMAL)vsHDFC Bank Limited ADR (HDB)
AMAL
Amalgamated Bank
$49.25
-1.28%
FINANCIAL SERVICES · Cap: $1.40B
HDB
HDFC Bank Limited ADR
$24.00
+1.78%
FINANCIAL SERVICES · Cap: $135.43B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 933426% more annual revenue ($2.95T vs $315.97M). AMAL leads profitability with a 33.1% profit margin vs 26.8%. AMAL trades at a lower P/E of 13.7x. HDB earns a higher WallStSmart Score of 76/100 (B+).
AMAL
Buy54
out of 100
Grade: C-
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Areas to Watch
4.7% revenue growth
3.7% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Trading at 10.1x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : AMAL
The strongest argument for AMAL centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 33.1% and operating margin at 44.0%.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 26.8% and operating margin at 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : AMAL
The primary concerns for AMAL are Revenue Growth, EPS Growth, Market Cap.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
AMAL profiles as a value stock while HDB is a growth play — different risk/reward profiles.
AMAL carries more volatility with a beta of 0.79 — expect wider price swings.
HDB is growing revenue faster at 16.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (76/100 vs 54/100), backed by strong 26.8% margins and 16.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Amalgamated Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Amalgamated Finance Corporation The company is headquartered in New York, New York.
HDFC Bank Limited ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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