HDFC Bank Limited ADR (HDB)vsRegions Financial Corporation (RF)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
RF
Regions Financial Corporation
$28.54
+0.39%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 39370% more annual revenue ($2.83T vs $7.18B). RF leads profitability with a 31.0% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. RF earns a higher WallStSmart Score of 75/100 (B).
HDB
Strong Buy68
out of 100
Grade: B-
RF
Strong Buy75
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 31 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
Areas to Watch
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Expensive relative to growth rate
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 : RF
The strongest argument for RF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 40.1%.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : RF
The primary concerns for RF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while RF is a mature play — different risk/reward profiles.
RF carries more volatility with a beta of 1.03 — expect wider price swings.
RF is growing revenue faster at 7.3% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
RF scores higher overall (75/100 vs 68/100), backed by strong 31.0% margins. 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 →Regions Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?