HDFC Bank Limited ADR (HDB)vsProvident Financial Holdings Inc (PROV)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
PROV
Provident Financial Holdings Inc
$16.15
+0.28%
FINANCIAL SERVICES · Cap: $102.64M
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 6973067% more annual revenue ($2.85T vs $40.80M). HDB leads profitability with a 26.2% profit margin vs 16.2%. 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+
PROV
Strong Buy65
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
+64.8%
Fair Value
$46.33
Current Price
$16.14
$30.18 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
Earnings expanding 70.2% YoY
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 5.1% — below average capital efficiency
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 : PROV
The strongest argument for PROV centers on Price/Book, EPS Growth, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 24.4%. Revenue growth of 10.9% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : PROV
The primary concerns for PROV are Market Cap, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
HDB profiles as a growth stock while PROV is a mature play — different risk/reward profiles.
HDB carries more volatility with a beta of 0.36 — 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 65/100), backed by strong 26.2% margins and 26.4% revenue growth. PROV offers better value entry with a 64.8% 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 →Provident Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.
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