HDFC Bank Limited ADR (HDB)vsQCR Holdings Inc (QCRH)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
QCRH
QCR Holdings Inc
$95.01
+0.61%
FINANCIAL SERVICES · Cap: $1.59B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 772392% more annual revenue ($2.83T vs $366.75M). QCRH leads profitability with a 36.7% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. QCRH earns a higher WallStSmart Score of 77/100 (B+).
HDB
Strong Buy68
out of 100
Grade: B-
QCRH
Strong Buy77
out of 100
Grade: B+
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 37 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Revenue surging 21.1% year-over-year
Earnings expanding 30.9% YoY
Areas to Watch
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 : QCRH
The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.7% and operating margin at 43.7%. Revenue growth of 21.1% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : QCRH
The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while QCRH is a growth play — different risk/reward profiles.
QCRH carries more volatility with a beta of 0.76 — expect wider price swings.
QCRH is growing revenue faster at 21.1% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
QCRH scores higher overall (77/100 vs 68/100), backed by strong 36.7% margins and 21.1% 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 →QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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