HDFC Bank Limited ADR (HDB)vsSouthState Corporation (SSB)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
SSB
SouthState Corporation
$91.71
+0.70%
FINANCIAL SERVICES · Cap: $9.15B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 111233% more annual revenue ($2.85T vs $2.56B). SSB leads profitability with a 31.2% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. SSB earns a higher WallStSmart Score of 86/100 (A).
HDB
Strong Buy78
out of 100
Grade: B+
SSB
Exceptional Buy86
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Margin of Safety
+71.8%
Fair Value
$368.32
Current Price
$91.71
$276.61 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 26.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Revenue surging 52.0% year-over-year
Earnings expanding 31.1% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HDB
The strongest argument for HDB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.2% and operating margin at 34.8%. Revenue growth of 26.4% demonstrates continued momentum.
Bull Case : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 51.1%. Revenue growth of 52.0% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Key Dynamics to Monitor
SSB carries more volatility with a beta of 0.73 — expect wider price swings.
SSB is growing revenue faster at 52.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SSB scores higher overall (86/100 vs 78/100), backed by strong 31.2% margins and 52.0% 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 →SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
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