HDFC Bank Limited ADR (HDB)vsOld National Bancorp (ONB)
HDB
HDFC Bank Limited ADR
$23.34
+6.87%
FINANCIAL SERVICES · Cap: $119.10B
ONB
Old National Bancorp
$25.66
+0.23%
FINANCIAL SERVICES · Cap: $9.80B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 110760% more annual revenue ($2.95T vs $2.66B). ONB leads profitability with a 33.3% profit margin vs 26.8%. HDB appears more attractively valued with a PEG of 1.01. ONB earns a higher WallStSmart Score of 79/100 (B+).
HDB
Strong Buy76
out of 100
Grade: B+
ONB
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 33.3%
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
16.6% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 52.5%
Earnings expanding 92.9% YoY
Revenue surging 28.8% year-over-year
Areas to Watch
Trading at 9.4x book value
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
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 33.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bull Case : ONB
The strongest argument for ONB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.3% and operating margin at 52.5%. Revenue growth of 28.8% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book.
Bear Case : ONB
The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ONB carries more volatility with a beta of 0.83 — expect wider price swings.
ONB is growing revenue faster at 28.8% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ONB scores higher overall (79/100 vs 76/100), backed by strong 33.3% margins and 28.8% 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 →Old National Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.
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