WallStSmart

HDFC Bank Limited ADR (HDB)vsKB Financial Group Inc (KB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

KB Financial Group Inc generates 458% more annual revenue ($15.88T vs $2.85T). KB leads profitability with a 36.7% profit margin vs 26.2%. KB appears more attractively valued with a PEG of 0.71. KB earns a higher WallStSmart Score of 80/100 (A-).

HDB

Strong Buy

78

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 8.7Quality: 5.3
Piotroski: 3/9Altman Z: -0.14

KB

Exceptional Buy

80

out of 100

Grade: A-

Growth: 8.7Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 6/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HDBUndervalued (+11.2%)

Margin of Safety

+11.2%

Fair Value

$36.29

Current Price

$25.79

$10.50 discount

UndervaluedFair: $36.29Overvalued
KBUndervalued (+47.5%)

Margin of Safety

+47.5%

Fair Value

$212.92

Current Price

$101.74

$111.18 discount

UndervaluedFair: $212.92Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HDB5 strengths · Avg: 8.8/10
Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Market CapQuality
$130.27B9/10

Large-cap with strong market position

Profit MarginProfitability
26.2%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
26.4%8/10

Revenue surging 26.4% year-over-year

KB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.7%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
50.0%10/10

Strong operational efficiency at 50.0%

Revenue GrowthGrowth
31.8%10/10

Revenue surging 31.8% year-over-year

PEG RatioValuation
0.718/10

Growing faster than its price suggests

Areas to Watch

HDB3 concerns · Avg: 2.7/10
Debt/EquityHealth
1.093/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.142/10

Distress zone — elevated risk

KB0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : KB

The strongest argument for KB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.7% and operating margin at 50.0%. Revenue growth of 31.8% demonstrates continued momentum.

Bear Case : HDB

The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : KB

No major red flags identified for KB, but monitor valuation.

Key Dynamics to Monitor

KB carries more volatility with a beta of 0.73 — expect wider price swings.

KB is growing revenue faster at 31.8% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KB scores higher overall (80/100 vs 78/100), backed by strong 36.7% margins and 31.8% 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.

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 →

KB Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KB Financial Group Inc. offers a range of related banking and financial services to consumers and corporations in South Korea and internationally. The company is headquartered in Seoul, South Korea.

Want to dig deeper into these stocks?