HDFC Bank Limited ADR (HDB)vsWipro Limited ADR (WIT)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
WIT
Wipro Limited ADR
$2.09
-0.48%
TECHNOLOGY · Cap: $22.00B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 213% more annual revenue ($2.85T vs $908.92B). HDB leads profitability with a 26.2% profit margin vs 14.6%. 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+
WIT
Buy53
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
-171.6%
Fair Value
$0.88
Current Price
$2.09
$1.21 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
Generating 37.9B in free cash flow
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Earnings declined 7.2%
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 : WIT
The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, P/E Ratio.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : WIT
The primary concerns for WIT are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
HDB profiles as a growth stock while WIT is a value play — different risk/reward profiles.
WIT carries more volatility with a beta of 0.36 — 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 53/100), 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 →Wipro Limited ADR
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.
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