HDFC Bank Limited ADR (HDB)vsWSFS Financial Corporation (WSFS)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
WSFS
WSFS Financial Corporation
$64.86
+0.32%
FINANCIAL SERVICES · Cap: $3.53B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 279738% more annual revenue ($2.85T vs $1.02B). WSFS leads profitability with a 28.3% profit margin vs 26.2%. WSFS appears more attractively valued with a PEG of 0.98. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
WSFS
Strong Buy75
out of 100
Grade: B+
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
+70.4%
Fair Value
$228.44
Current Price
$64.86
$163.58 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
Reasonable price relative to book value
Strong operational efficiency at 38.0%
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 23.8% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
2.3% revenue growth
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 : WSFS
The strongest argument for WSFS centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 28.3% and operating margin at 38.0%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : WSFS
The primary concerns for WSFS are Revenue Growth.
Key Dynamics to Monitor
HDB profiles as a growth stock while WSFS is a value play — different risk/reward profiles.
WSFS carries more volatility with a beta of 0.79 — 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 75/100), backed by strong 26.2% margins and 26.4% revenue growth. WSFS offers better value entry with a 70.4% margin of safety. 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 →WSFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WSFS Financial Corporation is the savings and loan holding company of the Wilmington Savings Fund Society, FSB, which offers various banking services in the United States. The company is headquartered in Wilmington, Delaware.
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