HDFC Bank Limited ADR (HDB)vsKearny Financial Corp (KRNY)
HDB
HDFC Bank Limited ADR
$23.34
+6.87%
FINANCIAL SERVICES · Cap: $119.10B
KRNY
Kearny Financial Corp
$9.78
-0.51%
FINANCIAL SERVICES · Cap: $653.19M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1671939% more annual revenue ($2.95T vs $176.41M). HDB leads profitability with a 26.8% profit margin vs 20.6%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 76/100 (B+).
HDB
Strong Buy76
out of 100
Grade: B+
KRNY
Buy62
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 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.8%
Areas to Watch
Trading at 9.4x book value
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
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 : KRNY
The strongest argument for KRNY centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.6% and operating margin at 29.8%. Revenue growth of 14.9% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
HDB profiles as a growth stock while KRNY is a mature play — different risk/reward profiles.
KRNY carries more volatility with a beta of 0.60 — 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 62/100), 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 →Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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