HDFC Bank Limited ADR (HDB)vsMastercard Inc (MA)
HDB
HDFC Bank Limited ADR
$25.02
-2.53%
FINANCIAL SERVICES · Cap: $131.53B
MA
Mastercard Inc
$495.48
-1.09%
FINANCIAL SERVICES · Cap: $442.62B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 8248% more annual revenue ($2.83T vs $33.94B). MA leads profitability with a 45.9% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. MA earns a higher WallStSmart Score of 70/100 (B).
HDB
Strong Buy68
out of 100
Grade: B-
MA
Strong Buy70
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
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
Trading at 10.3x book value
Elevated debt levels
Revenue declined 1.8%
Distress zone — elevated risk
Expensive relative to growth rate
Moderate valuation
Trading at 57.3x book value
Elevated debt levels
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 : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
HDB profiles as a declining stock while MA is a growth play — different risk/reward profiles.
MA carries more volatility with a beta of 0.76 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 68/100), backed by strong 45.9% margins and 15.8% 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 →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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