HDFC Bank Limited ADR (HDB)vsItau Unibanco Banco Holding SA (ITUB)
HDB
HDFC Bank Limited ADR
$25.41
+0.59%
FINANCIAL SERVICES · Cap: $130.40B
ITUB
Itau Unibanco Banco Holding SA
$8.57
+1.18%
FINANCIAL SERVICES · Cap: $95.00B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1939% more annual revenue ($2.83T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HDB
Strong Buy68
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
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
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Trading at 10.5x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
2.8% earnings growth
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 : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HDB profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.
HDB carries more volatility with a beta of 0.49 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 68/100), backed by strong 32.3% margins and 11.0% 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.
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 →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?