HDFC Bank Limited ADR (HDB)vsHomeTrust Bancshares, Inc. (HTB)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
HTB
HomeTrust Bancshares, Inc.
$46.83
+1.17%
FINANCIAL SERVICES · Cap: $793.55M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1345107% more annual revenue ($2.83T vs $210.61M). HTB leads profitability with a 31.6% profit margin vs 26.8%. HTB trades at a lower P/E of 12.2x. HDB earns a higher WallStSmart Score of 68/100 (B-).
HDB
Strong Buy68
out of 100
Grade: B-
HTB
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 40.5%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HTB
The strongest argument for HTB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.6% and operating margin at 40.5%.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : HTB
The primary concerns for HTB are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a declining stock while HTB is a mature play — different risk/reward profiles.
HTB carries more volatility with a beta of 0.81 — expect wider price swings.
HTB is growing revenue faster at 9.3% — 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 62/100), 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.
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 →HomeTrust Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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