HDFC Bank Limited ADR (HDB)vsInter & Co. Inc. Class A Common Shares (INTR)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
INTR
Inter & Co. Inc. Class A Common Shares
$8.54
+1.30%
FINANCIAL SERVICES · Cap: $3.72B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 47444% more annual revenue ($2.85T vs $5.98B). HDB leads profitability with a 26.2% profit margin vs 21.9%. INTR trades at a lower P/E of 15.1x. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
INTR
Strong Buy73
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
+65.7%
Fair Value
$26.21
Current Price
$8.54
$17.67 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
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 28.1%
Revenue surging 26.4% year-over-year
Earnings expanding 35.5% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
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 : INTR
The strongest argument for INTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 28.1%. Revenue growth of 26.4% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : INTR
The primary concerns for INTR are Piotroski F-Score.
Key Dynamics to Monitor
INTR carries more volatility with a beta of 1.20 — expect wider price swings.
INTR 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 73/100), backed by strong 26.2% margins and 26.4% revenue growth. INTR offers better value entry with a 65.7% 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 →Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial institution in Brazil, specializing in retail banking, investment management, and comprehensive wealth management services. The company is recognized for its commitment to financial inclusion and leveraging advanced technology to enhance customer experience, which significantly boosts access to banking services across diverse demographics. With a strategic focus on digital transformation, Inter & Co. is well-positioned to capitalize on the growth opportunities within Brazil’s evolving financial sector, making it a compelling investment prospect for both retail and institutional investors in emerging markets.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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