Elevance Health Inc (ELV)vsHDFC Bank Limited ADR (HDB)
ELV
Elevance Health Inc
$415.53
-0.71%
HEALTHCARE · Cap: $87.28B
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1314% more annual revenue ($2.83T vs $200.42B). HDB leads profitability with a 26.8% profit margin vs 2.6%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 68/100 (B-).
ELV
Buy56
out of 100
Grade: C
HDB
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+4.5%
Fair Value
$416.35
Current Price
$415.53
$0.82 discount
Intrinsic value data unavailable for HDB.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.1B in free cash flow
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
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Earnings declined 16.8%
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.47 suggests the stock is reasonably priced for its growth.
Bull 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.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, EPS Growth. Thin 2.6% margins leave little buffer for downturns.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Key Dynamics to Monitor
ELV profiles as a value stock while HDB is a declining play — different risk/reward profiles.
ELV carries more volatility with a beta of 0.68 — expect wider price swings.
ELV is growing revenue faster at 2.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (68/100 vs 56/100), backed by strong 26.8% margins. 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
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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