Popular Inc (BPOP)vsHDFC Bank Limited ADR (HDB)
BPOP
Popular Inc
$163.71
-0.15%
FINANCIAL SERVICES · Cap: $10.51B
HDB
HDFC Bank Limited ADR
$23.34
+6.87%
FINANCIAL SERVICES · Cap: $119.10B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 96218% more annual revenue ($2.95T vs $3.06B). BPOP leads profitability with a 31.7% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. BPOP earns a higher WallStSmart Score of 81/100 (A-).
BPOP
Exceptional Buy81
out of 100
Grade: A-
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.0%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 40.9% YoY
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
Attractively priced relative to earnings
16.6% revenue growth
Areas to Watch
Distress zone — elevated risk
Trading at 9.4x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : BPOP
The strongest argument for BPOP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.0%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
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 : BPOP
The primary concerns for BPOP are Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
BPOP profiles as a mature stock while HDB is a growth play — different risk/reward profiles.
BPOP carries more volatility with a beta of 0.61 — 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
BPOP scores higher overall (81/100 vs 76/100), backed by strong 31.7% margins. 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.
Popular Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Popular, Inc., offers various retail, mortgage and commercial banking products and services in Puerto Rico and the United States. The company is headquartered in Hato Rey, Puerto Rico.
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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