First Horizon Corporation (FHN)vsHDFC Bank Limited ADR (HDB)
FHN
First Horizon Corporation
$22.73
+0.18%
FINANCIAL SERVICES · Cap: $10.98B
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 84734% more annual revenue ($2.85T vs $3.35B). FHN leads profitability with a 29.3% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. FHN earns a higher WallStSmart Score of 81/100 (A-).
FHN
Exceptional Buy81
out of 100
Grade: A-
HDB
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.5%
Fair Value
$87.52
Current Price
$22.73
$64.79 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
Reasonable price relative to book value
Strong operational efficiency at 43.2%
Earnings expanding 72.3% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 23.7% year-over-year
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
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FHN
The strongest argument for FHN centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 29.3% and operating margin at 43.2%. Revenue growth of 23.7% 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 : FHN
The primary concerns for FHN are PEG Ratio, Altman Z-Score.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
FHN carries more volatility with a beta of 0.62 — 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
FHN scores higher overall (81/100 vs 78/100), backed by strong 29.3% margins and 23.7% revenue growth. Both earn "Exceptional 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 Horizon Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Horizon Corporation is the banking holding company for First Horizon Bank providing various financial services. The company is headquartered in Memphis, Tennessee.
Visit Website →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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