Citizens Financial Group, Inc. (CFG)vsHDFC Bank Limited ADR (HDB)
CFG
Citizens Financial Group, Inc.
$59.42
+0.81%
FINANCIAL SERVICES · Cap: $25.31B
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 37147% more annual revenue ($2.85T vs $7.64B). HDB leads profitability with a 26.2% profit margin vs 24.0%. CFG appears more attractively valued with a PEG of 0.26. CFG earns a higher WallStSmart Score of 81/100 (A-).
CFG
Exceptional Buy81
out of 100
Grade: A-
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.0%
Fair Value
$180.65
Current Price
$59.42
$121.23 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 32.2%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 34.8% YoY
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Areas to Watch
ROE of 7.2% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.2%. Revenue growth of 10.7% demonstrates continued momentum.
Bull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are Return on Equity, Free Cash Flow, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
CFG profiles as a mature stock while HDB is a growth play — different risk/reward profiles.
CFG carries more volatility with a beta of 1.08 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CFG scores higher overall (81/100 vs 78/100), backed by strong 24.0% margins and 10.7% 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.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
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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