HDFC Bank Limited ADR (HDB)vsQCR Holdings Inc (QCRH)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
QCRH
QCR Holdings Inc
$83.90
+0.30%
FINANCIAL SERVICES · Cap: $1.37B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 809468% more annual revenue ($2.85T vs $351.46M). QCRH leads profitability with a 36.2% profit margin vs 26.2%. 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+
QCRH
Strong Buy74
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
+67.7%
Fair Value
$283.42
Current Price
$83.90
$199.52 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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Conservative balance sheet, low leverage
17.1% revenue growth
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : QCRH
The strongest argument for QCRH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.2% and operating margin at 41.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : QCRH
The primary concerns for QCRH are Market Cap.
Key Dynamics to Monitor
QCRH carries more volatility with a beta of 0.80 — 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 74/100), backed by strong 26.2% margins and 26.4% revenue growth. QCRH offers better value entry with a 67.7% 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 →QCR Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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