HDFC Bank Limited ADR (HDB)vsICICI Bank Limited (IBN)
HDB
HDFC Bank Limited ADR
$25.39
-2.87%
FINANCIAL SERVICES · Cap: $136.56B
IBN
ICICI Bank Limited
$26.08
-2.90%
FINANCIAL SERVICES · Cap: $95.43B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 48% more annual revenue ($2.85T vs $1.92T). IBN leads profitability with a 27.5% profit margin vs 26.2%. IBN appears more attractively valued with a PEG of 0.53. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+12.4%
Fair Value
$36.79
Current Price
$25.39
$11.40 discount
Margin of Safety
-187.9%
Fair Value
$10.81
Current Price
$26.08
$15.27 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Revenue surging 26.4% year-over-year
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HDB profiles as a growth stock while IBN is a value play — different risk/reward profiles.
HDB carries more volatility with a beta of 0.36 — 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
HDB scores higher overall (78/100 vs 69/100), backed by strong 26.2% margins and 26.4% 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.
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 →ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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