HDFC Bank Limited ADR (HDB)vs1st Source Corporation (SRCE)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
SRCE
1st Source Corporation
$68.05
-0.50%
FINANCIAL SERVICES · Cap: $1.66B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 675404% more annual revenue ($2.85T vs $421.22M). SRCE leads profitability with a 37.6% profit margin vs 26.2%. HDB appears more attractively valued with a PEG of 1.01. SRCE earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
SRCE
Strong Buy78
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
+77.1%
Fair Value
$299.99
Current Price
$68.05
$231.94 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 38 of every $100 in revenue as profit
Strong operational efficiency at 50.0%
Conservative balance sheet, low leverage
16.8% revenue growth
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : SRCE
The strongest argument for SRCE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.6% and operating margin at 50.0%. Revenue growth of 16.8% demonstrates continued momentum.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : SRCE
The primary concerns for SRCE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
SRCE carries more volatility with a beta of 0.61 — 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 78/100), backed by strong 26.2% margins and 26.4% revenue growth. SRCE offers better value entry with a 77.1% 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 →1st Source Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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