HDFC Bank Limited ADR (HDB)vsNewtek Business Services Corp (NEWT)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
NEWT
Newtek Business Services Corp
$11.22
+0.72%
FINANCIAL SERVICES · Cap: $331.34M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 742169% more annual revenue ($2.85T vs $383.33M). HDB leads profitability with a 26.2% profit margin vs 15.8%. 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+
NEWT
Buy64
out of 100
Grade: C+
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
+10.0%
Fair Value
$14.82
Current Price
$11.22
$3.60 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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 55.6%
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
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 : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.6%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : NEWT
The primary concerns for NEWT are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 5.64 is elevated, increasing financial risk.
Key Dynamics to Monitor
HDB profiles as a growth stock while NEWT is a value play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.28 — 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 64/100), backed by strong 26.2% margins and 26.4% revenue growth. 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 →Newtek Business Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions designed specifically for small to medium-sized enterprises (SMBs) throughout the United States. The company offers a diverse suite of services, including payment processing, business lending, and advanced technological solutions, all aimed at enhancing operational efficiency and driving growth for its clients. By functioning as a comprehensive resource, Newtek positions itself as a critical partner in the success of SMBs, emphasizing exceptional customer service and strategic collaborations to help clients thrive in a competitive marketplace. With a strong focus on innovation and long-term relationships, Newtek plays a pivotal role in empowering its clients to adapt and grow.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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