Grupo Aval (AVAL)vsHDFC Bank Limited ADR (HDB)
AVAL
Grupo Aval
$4.32
+2.86%
FINANCIAL SERVICES · Cap: $5.01B
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Aval generates 372% more annual revenue ($13.44T vs $2.85T). HDB leads profitability with a 26.2% profit margin vs 12.9%. AVAL trades at a lower P/E of 11.1x. HDB earns a higher WallStSmart Score of 78/100 (B+).
AVAL
Buy51
out of 100
Grade: C-
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.0%
Fair Value
$16.20
Current Price
$4.32
$11.88 discount
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3T in free cash flow
18.8% revenue growth
Earnings expanding 22.4% YoY
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
Areas to Watch
Operating margin of 0.0%
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AVAL
The strongest argument for AVAL centers on P/E Ratio, Price/Book, Free Cash Flow. Revenue growth of 18.8% demonstrates continued momentum.
Bull 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.
Bear Case : AVAL
The primary concerns for AVAL are Operating Margin, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AVAL carries more volatility with a beta of 0.43 — 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 51/100), backed by strong 26.2% margins and 26.4% revenue growth. AVAL offers better value entry with a 72.0% margin of safety. 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.
Grupo Aval
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.
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.
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