HDFC Bank Limited ADR (HDB)vsOld National Bancorp (ONB)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
ONB
Old National Bancorp
$23.96
-0.04%
FINANCIAL SERVICES · Cap: $9.71B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 112918% more annual revenue ($2.83T vs $2.51B). ONB leads profitability with a 30.2% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. ONB earns a higher WallStSmart Score of 81/100 (A-).
HDB
Strong Buy68
out of 100
Grade: B-
ONB
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 40.5%
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
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 51.3%
Revenue surging 46.2% year-over-year
Attractively priced relative to earnings
Earnings expanding 34.1% YoY
Areas to Watch
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Expensive relative to growth rate
Weak financial health signals
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 40.5%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bull Case : ONB
The strongest argument for ONB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.2% and operating margin at 51.3%. Revenue growth of 46.2% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : ONB
The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while ONB is a growth play — different risk/reward profiles.
ONB carries more volatility with a beta of 0.85 — expect wider price swings.
ONB is growing revenue faster at 46.2% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
ONB scores higher overall (81/100 vs 68/100), backed by strong 30.2% margins and 46.2% revenue growth. Both earn "Exceptional 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 →Old National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.
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