HDFC Bank Limited ADR (HDB)vsHomeTrust Bancshares, Inc. (HTB)
HDB
HDFC Bank Limited ADR
$23.34
+6.87%
FINANCIAL SERVICES · Cap: $119.10B
HTB
HomeTrust Bancshares, Inc.
$48.54
-0.45%
FINANCIAL SERVICES · Cap: $777.75M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1404024% more annual revenue ($2.95T vs $210.07M). HTB leads profitability with a 30.9% profit margin vs 26.8%. HTB trades at a lower P/E of 12.3x. HDB earns a higher WallStSmart Score of 76/100 (B+).
HDB
Strong Buy76
out of 100
Grade: B+
HTB
Buy52
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Trading at 9.4x book value
Smaller company, higher risk/reward
Revenue declined 1.0%
Earnings declined 6.0%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HTB
The strongest argument for HTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.9% and operating margin at 38.9%.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HDB profiles as a growth stock while HTB is a declining play — different risk/reward profiles.
HTB carries more volatility with a beta of 0.80 — 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
HDB scores higher overall (76/100 vs 52/100), backed by strong 26.8% margins and 16.6% revenue growth. Both earn "Strong Buy" and "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.
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 →HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?