First BanCorp. (FBP)vsHDFC Bank Limited ADR (HDB)
FBP
First BanCorp.
$28.79
-0.42%
FINANCIAL SERVICES · Cap: $4.24B
HDB
HDFC Bank Limited ADR
$24.13
+0.42%
FINANCIAL SERVICES · Cap: $135.43B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 316079% more annual revenue ($2.95T vs $932.90M). FBP leads profitability with a 38.2% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 76/100 (B+).
FBP
Strong Buy66
out of 100
Grade: B-
HDB
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 47.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.3% YoY
Strong operational efficiency at 33.3%
Generating 1.7T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
16.6% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Trading at 10.2x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : FBP
The strongest argument for FBP centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.2% and operating margin at 47.8%.
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 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Key Dynamics to Monitor
FBP profiles as a mature stock while HDB is a growth play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.81 — expect wider price swings.
HDB is growing revenue faster at 16.6% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
HDB scores higher overall (76/100 vs 66/100), backed by strong 26.8% margins and 16.6% revenue growth. 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.
First BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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 →Compare with Other BANKS - REGIONAL Stocks
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