HDFC Bank Limited ADR (HDB)vsRenasant Corporation (RNST)
HDB
HDFC Bank Limited ADR
$24.13
+0.42%
FINANCIAL SERVICES · Cap: $135.43B
RNST
Renasant Corporation
$43.34
-1.12%
FINANCIAL SERVICES · Cap: $3.99B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 301407% more annual revenue ($2.95T vs $978.30M). HDB leads profitability with a 26.8% profit margin vs 23.3%. HDB appears more attractively valued with a PEG of 1.01. RNST earns a higher WallStSmart Score of 77/100 (B+).
HDB
Strong Buy76
out of 100
Grade: B+
RNST
Strong Buy77
out of 100
Grade: B+
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
16.6% revenue growth
Reasonable price relative to book value
Strong operational efficiency at 45.2%
Revenue surging 60.2% year-over-year
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 44.6% YoY
Areas to Watch
Trading at 10.2x book value
Expensive relative to growth rate
ROE of 5.9% — below average capital efficiency
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 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : RNST
The strongest argument for RNST centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 23.3% and operating margin at 45.2%. Revenue growth of 60.2% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : RNST
The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
RNST carries more volatility with a beta of 0.98 — expect wider price swings.
RNST is growing revenue faster at 60.2% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RNST scores higher overall (77/100 vs 76/100), backed by strong 23.3% margins and 60.2% 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 →Renasant Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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