Credicorp Ltd (BAP)vsHDFC Bank Limited ADR (HDB)
BAP
Credicorp Ltd
$322.50
-1.23%
FINANCIAL SERVICES · Cap: $27.78B
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 12826% more annual revenue ($2.83T vs $21.92B). BAP leads profitability with a 32.9% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. BAP earns a higher WallStSmart Score of 75/100 (B).
BAP
Strong Buy75
out of 100
Grade: B
HDB
Strong Buy68
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 48.8%
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.6% year-over-year
Strong operational efficiency at 40.5%
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
Negative free cash flow — burning cash
Distress zone — elevated risk
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
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 32.9% and operating margin at 48.8%. Revenue growth of 25.6% 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 : BAP
The primary concerns for BAP are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
BAP profiles as a growth stock while HDB is a declining play — different risk/reward profiles.
BAP carries more volatility with a beta of 0.86 — expect wider price swings.
BAP is growing revenue faster at 25.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
BAP scores higher overall (75/100 vs 68/100), backed by strong 32.9% margins and 25.6% revenue growth. Both earn "Strong 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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