Credicorp Ltd (BAP)vsHDFC Bank Limited ADR (HDB)
BAP
Credicorp Ltd
$361.19
-0.79%
FINANCIAL SERVICES · Cap: $29.40B
HDB
HDFC Bank Limited ADR
$21.80
+1.16%
FINANCIAL SERVICES · Cap: $109.84B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 13458% more annual revenue ($3.02T vs $22.27B). BAP leads profitability with a 33.1% profit margin vs 26.5%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 82/100 (A-).
BAP
Strong Buy73
out of 100
Grade: B
HDB
Exceptional Buy82
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.5B in free cash flow
Strong operational efficiency at 38.5%
Revenue surging 80.8% year-over-year
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Trading at 8.7x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : BAP
The strongest argument for BAP centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 33.1% and operating margin at 49.4%. Revenue growth of 12.0% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Revenue Growth, Free Cash Flow. Profitability is solid with margins at 26.5% and operating margin at 38.5%. Revenue growth of 80.8% demonstrates continued momentum.
Bear Case : BAP
The primary concerns for BAP are PEG Ratio, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
BAP profiles as a mature stock while HDB is a growth play — different risk/reward profiles.
BAP carries more volatility with a beta of 0.87 — expect wider price swings.
HDB is growing revenue faster at 80.8% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (82/100 vs 73/100), backed by strong 26.5% margins and 80.8% revenue growth. Both earn "Exceptional Buy" and "Strong 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.
Credicorp Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Credicorp Ltd., a financial services holding company, offers various financial, insurance and health products and services primarily in Peru and internationally. The company is headquartered in Lima, Peru.
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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