HDFC Bank Limited ADR (HDB)vs1st Source Corporation (SRCE)
HDB
HDFC Bank Limited ADR
$25.37
-2.58%
FINANCIAL SERVICES · Cap: $130.32B
SRCE
1st Source Corporation
$81.19
+0.94%
FINANCIAL SERVICES · Cap: $1.97B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 664481% more annual revenue ($2.83T vs $426.31M). SRCE leads profitability with a 37.7% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 68/100 (B-).
HDB
Strong Buy68
out of 100
Grade: B-
SRCE
Strong Buy67
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
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 49.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 10.5x book value
Elevated debt levels
Revenue declined 1.8%
Smaller company, higher risk/reward
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 : SRCE
The strongest argument for SRCE centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 37.7% and operating margin at 49.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : SRCE
The primary concerns for SRCE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while SRCE is a mature play — different risk/reward profiles.
SRCE carries more volatility with a beta of 0.58 — expect wider price swings.
SRCE is growing revenue faster at 5.1% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (68/100 vs 67/100), backed by strong 26.8% 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 →1st Source Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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