HDFC Bank Limited ADR (HDB)vsWoori Financial Group Inc (WF)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
WF
Woori Financial Group Inc
$66.88
+1.09%
FINANCIAL SERVICES · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Woori Financial Group Inc generates 250% more annual revenue ($9.96T vs $2.85T). WF leads profitability with a 31.4% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
WF
Buy62
out of 100
Grade: C+
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
-40.5%
Fair Value
$54.81
Current Price
$66.88
$12.07 premium
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
Keeps 31 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 23.8%
Negative free cash flow — burning cash
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 : WF
The strongest argument for WF centers on P/E Ratio, Profit Margin, Price/Book. Profitability is solid with margins at 31.4% and operating margin at 27.8%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : WF
The primary concerns for WF are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
HDB profiles as a growth stock while WF is a mature play — different risk/reward profiles.
WF carries more volatility with a beta of 0.72 — expect wider price swings.
HDB is growing revenue faster at 26.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HDB scores higher overall (78/100 vs 62/100), backed by strong 26.2% margins and 26.4% revenue growth. Both earn "Strong Buy" and "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 →Woori Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Woori Financial Group Inc. is a commercial bank providing a range of financial services to individual, commercial and institutional clients in Korea. The company is headquartered in Seoul, South Korea.
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