WallStSmart

Grupo Aval (AVAL)vsHDFC Bank Limited ADR (HDB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Aval generates 374% more annual revenue ($13.44T vs $2.83T). HDB leads profitability with a 26.8% profit margin vs 12.1%. AVAL trades at a lower P/E of 14.2x. HDB earns a higher WallStSmart Score of 68/100 (B-).

AVAL

Hold

43

out of 100

Grade: D

Growth: 6.0Profit: 5.0Value: 6.0Quality: 4.3
Piotroski: 6/9

HDB

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.3Quality: 5.0
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AVAL3 strengths · Avg: 8.7/10
Price/BookValuation
0.0x10/10

Reasonable price relative to book value

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
19.0%8/10

19.0% revenue growth

HDB5 strengths · Avg: 9.2/10
Operating MarginProfitability
40.5%10/10

Strong operational efficiency at 40.5%

Free Cash FlowQuality
$1.72T10/10

Generating 1.7T in free cash flow

Market CapQuality
$122.21B9/10

Large-cap with strong market position

Profit MarginProfitability
26.8%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Areas to Watch

AVAL4 concerns · Avg: 2.0/10
Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

EPS GrowthGrowth
-6.9%2/10

Earnings declined 6.9%

Free Cash FlowQuality
$-107.18B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
3.621/10

Elevated debt levels

HDB3 concerns · Avg: 3.0/10
Price/BookValuation
9.7x4/10

Trading at 9.7x book value

Debt/EquityHealth
1.003/10

Elevated debt levels

Revenue GrowthGrowth
-1.8%2/10

Revenue declined 1.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : AVAL

The strongest argument for AVAL centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 19.0% demonstrates continued momentum.

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 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.

Bear Case : AVAL

The primary concerns for AVAL are Operating Margin, EPS Growth, Free Cash Flow. Debt-to-equity of 3.62 is elevated, increasing financial risk.

Bear Case : HDB

The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.

Key Dynamics to Monitor

AVAL profiles as a growth stock while HDB is a declining play — different risk/reward profiles.

HDB carries more volatility with a beta of 0.43 — expect wider price swings.

AVAL is growing revenue faster at 19.0% — sustainability is the question.

HDB generates stronger free cash flow (1.7T), providing more financial flexibility.

Bottom Line

HDB scores higher overall (68/100 vs 43/100), backed by strong 26.8% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Grupo Aval

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.

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.

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