HDFC Bank Limited ADR (HDB)vsUniversal Health Services Inc (UHS)
HDB
HDFC Bank Limited ADR
$25.02
-2.53%
FINANCIAL SERVICES · Cap: $131.53B
UHS
Universal Health Services Inc
$169.96
-0.35%
HEALTHCARE · Cap: $10.41B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 15852% more annual revenue ($2.83T vs $17.76B). HDB leads profitability with a 26.8% profit margin vs 8.6%. HDB appears more attractively valued with a PEG of 1.01. UHS earns a higher WallStSmart Score of 72/100 (B).
HDB
Strong Buy68
out of 100
Grade: B-
UHS
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for HDB.
Margin of Safety
+40.6%
Fair Value
$389.40
Current Price
$169.96
$219.44 discount
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
Every $100 of equity generates 21 in profit
Areas to Watch
Trading at 10.3x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
No major concerns identified
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 : UHS
The strongest argument for UHS centers on P/E Ratio, Price/Book, Return on Equity. PEG of 1.17 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 : UHS
No major red flags identified for UHS, but monitor valuation.
Key Dynamics to Monitor
HDB profiles as a declining stock while UHS is a value play — different risk/reward profiles.
UHS carries more volatility with a beta of 1.13 — expect wider price swings.
UHS is growing revenue faster at 9.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
UHS scores higher overall (72/100 vs 68/100). 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 →Universal Health Services Inc
HEALTHCARE · MEDICAL CARE FACILITIES · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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