HDFC Bank Limited ADR (HDB)vsPeapack-Gladstone Financial (PGC)
HDB
HDFC Bank Limited ADR
$23.41
-2.58%
FINANCIAL SERVICES · Cap: $122.21B
PGC
Peapack-Gladstone Financial
$43.91
+4.20%
FINANCIAL SERVICES · Cap: $800.34M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 1034381% more annual revenue ($2.83T vs $273.87M). HDB leads profitability with a 26.8% profit margin vs 16.0%. PGC appears more attractively valued with a PEG of 0.64. PGC earns a higher WallStSmart Score of 76/100 (B+).
HDB
Strong Buy68
out of 100
Grade: B-
PGC
Strong Buy76
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 86.0% YoY
Growing faster than its price suggests
Strong operational efficiency at 28.1%
Revenue surging 25.5% year-over-year
Areas to Watch
Trading at 9.7x book value
Elevated debt levels
Revenue declined 1.8%
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
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 : PGC
The strongest argument for PGC centers on Price/Book, EPS Growth, PEG Ratio. Profitability is solid with margins at 16.0% and operating margin at 28.1%. Revenue growth of 25.5% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Price/Book, Debt/Equity, Revenue Growth.
Bear Case : PGC
The primary concerns for PGC are Market Cap, Return on Equity.
Key Dynamics to Monitor
HDB profiles as a declining stock while PGC is a growth play — different risk/reward profiles.
PGC carries more volatility with a beta of 0.73 — expect wider price swings.
PGC is growing revenue faster at 25.5% — sustainability is the question.
HDB generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
PGC scores higher overall (76/100 vs 68/100), backed by strong 16.0% margins and 25.5% 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 →Peapack-Gladstone Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peapack-Gladstone Financial Corporation is the banking holding company for Peapack-Gladstone Bank providing private banking and wealth management services in the United States. The company is headquartered in Bedminster, New Jersey.
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