HDFC Bank Limited ADR (HDB)vsIntercorp Financial Services Inc (IFS)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
IFS
Intercorp Financial Services Inc
$48.27
-1.00%
FINANCIAL SERVICES · Cap: $5.73B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 51799% more annual revenue ($2.85T vs $5.48B). IFS leads profitability with a 35.8% profit margin vs 26.2%. IFS trades at a lower P/E of 10.2x. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
IFS
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Margin of Safety
+75.0%
Fair Value
$205.64
Current Price
$48.27
$157.37 discount
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
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 41.2%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Generating 2.2B in free cash flow
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Distress zone — elevated risk
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 : IFS
The strongest argument for IFS centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.8% and operating margin at 41.2%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : IFS
The primary concerns for IFS are Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while IFS is a mature play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.81 — 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 72/100), backed by strong 26.2% margins and 26.4% revenue growth. IFS offers better value entry with a 75.0% margin of safety. 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 →Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
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