WallStSmart

HDFC Bank Limited ADR (HDB)vsGrupo Supervielle SA (SUPV)

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Smart Verdict

WallStSmart Research — data-driven comparison

HDFC Bank Limited ADR generates 297% more annual revenue ($2.95T vs $742.48B). HDB leads profitability with a 26.8% profit margin vs -11.2%. SUPV appears more attractively valued with a PEG of 0.29. HDB earns a higher WallStSmart Score of 76/100 (B+).

HDB

Strong Buy

76

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 6.0
Piotroski: 6/9

SUPV

Hold

45

out of 100

Grade: D

Growth: 4.0Profit: 2.5Value: 6.7Quality: 5.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HDB6 strengths · Avg: 9.0/10
Operating MarginProfitability
33.3%10/10

Strong operational efficiency at 33.3%

Free Cash FlowQuality
$1.72T10/10

Generating 1.7T in free cash flow

Market CapQuality
$119.02B9/10

Large-cap with strong market position

Profit MarginProfitability
26.8%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

SUPV3 strengths · Avg: 10.0/10
PEG RatioValuation
0.2910/10

Growing faster than its price suggests

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$81.49B10/10

Generating 81.5B in free cash flow

Areas to Watch

HDB1 concerns · Avg: 4.0/10
Price/BookValuation
9.1x4/10

Trading at 9.1x book value

SUPV4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.3%4/10

2.3% revenue growth

Market CapQuality
$788.20M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : SUPV

The strongest argument for SUPV centers on PEG Ratio, Price/Book, Free Cash Flow. PEG of 0.29 suggests the stock is reasonably priced for its growth.

Bear Case : HDB

The primary concerns for HDB are Price/Book.

Bear Case : SUPV

The primary concerns for SUPV are Revenue Growth, Market Cap, Operating Margin.

Key Dynamics to Monitor

HDB profiles as a growth stock while SUPV is a turnaround play — different risk/reward profiles.

HDB carries more volatility with a beta of 0.40 — expect wider price swings.

HDB is growing revenue faster at 16.6% — sustainability is the question.

HDB generates stronger free cash flow (1.7T), providing more financial flexibility.

Bottom Line

HDB scores higher overall (76/100 vs 45/100), backed by strong 26.8% margins and 16.6% revenue growth. Both earn "Strong Buy" and "Hold" 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.

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Grupo Supervielle SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Grupo Supervielle SA, a financial services holding company, offers various banking products and services in Argentina. The company is headquartered in Buenos Aires, Argentina.

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