HDFC Bank Limited ADR (HDB)vsUMB Financial Corporation (UMBF)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
UMBF
UMB Financial Corporation
$129.92
+0.95%
FINANCIAL SERVICES · Cap: $10.29B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 103600% more annual revenue ($2.83T vs $2.73B). UMBF leads profitability with a 32.3% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. UMBF earns a higher WallStSmart Score of 81/100 (A-).
HDB
Strong Buy68
out of 100
Grade: B-
UMBF
Exceptional Buy81
out of 100
Grade: A-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Revenue surging 49.0% year-over-year
Earnings expanding 176.9% 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 : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 51.0%. Revenue growth of 49.0% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while UMBF is a growth play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.80 — expect wider price swings.
UMBF is growing revenue faster at 49.0% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (81/100 vs 68/100), backed by strong 32.3% margins and 49.0% 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 →UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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