HDFC Bank Limited ADR (HDB)vsKearny Financial Corp (KRNY)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
KRNY
Kearny Financial Corp
$7.34
-0.14%
FINANCIAL SERVICES · Cap: $448.35M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1743961% more annual revenue ($2.85T vs $163.14M). HDB leads profitability with a 26.2% profit margin vs 19.8%. HDB appears more attractively valued with a PEG of 1.01. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
KRNY
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.2%
Fair Value
$36.29
Current Price
$25.79
$10.50 discount
Margin of Safety
+67.0%
Fair Value
$24.34
Current Price
$7.34
$17.00 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Strong operational efficiency at 31.1%
Earnings expanding 50.0% YoY
Attractively priced relative to earnings
15.0% revenue growth
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.3% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : KRNY
The strongest argument for KRNY centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.8% and operating margin at 31.1%. Revenue growth of 15.0% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 2.63 is elevated, increasing financial risk.
Key Dynamics to Monitor
HDB profiles as a growth stock while KRNY is a mature play — different risk/reward profiles.
KRNY carries more volatility with a beta of 0.65 — 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
HDB scores higher overall (78/100 vs 67/100), backed by strong 26.2% margins and 26.4% revenue growth. KRNY offers better value entry with a 67.0% margin of safety. 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 →Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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