WallStSmart

HDFC Bank Limited ADR (HDB)vsTurning Point Brands Inc (TPB)

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Smart Verdict

WallStSmart Research — data-driven comparison

HDFC Bank Limited ADR generates 614360% more annual revenue ($2.85T vs $463.06M). HDB leads profitability with a 26.2% profit margin vs 12.6%. TPB appears more attractively valued with a PEG of 0.05. HDB earns a higher WallStSmart Score of 78/100 (B+).

HDB

Strong Buy

78

out of 100

Grade: B+

Growth: 8.0Profit: 7.5Value: 8.7Quality: 5.3
Piotroski: 3/9Altman Z: -0.14

TPB

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 8.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HDBUndervalued (+11.2%)

Margin of Safety

+11.2%

Fair Value

$36.29

Current Price

$25.79

$10.50 discount

UndervaluedFair: $36.29Overvalued
TPBUndervalued (+12.1%)

Margin of Safety

+12.1%

Fair Value

$145.55

Current Price

$88.39

$57.16 discount

UndervaluedFair: $145.55Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HDB5 strengths · Avg: 8.8/10
Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Market CapQuality
$130.27B9/10

Large-cap with strong market position

Profit MarginProfitability
26.2%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
26.4%8/10

Revenue surging 26.4% year-over-year

TPB4 strengths · Avg: 9.3/10
PEG RatioValuation
0.0510/10

Growing faster than its price suggests

EPS GrowthGrowth
194.5%10/10

Earnings expanding 194.5% YoY

Return on EquityProfitability
24.2%9/10

Every $100 of equity generates 24 in profit

Revenue GrowthGrowth
29.2%8/10

Revenue surging 29.2% year-over-year

Areas to Watch

HDB3 concerns · Avg: 2.7/10
Debt/EquityHealth
1.093/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.142/10

Distress zone — elevated risk

TPB2 concerns · Avg: 3.5/10
P/E RatioValuation
28.4x4/10

Moderate valuation

Market CapQuality
$1.69B3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : TPB

The strongest argument for TPB centers on PEG Ratio, EPS Growth, Return on Equity. Revenue growth of 29.2% demonstrates continued momentum. PEG of 0.05 suggests the stock is reasonably priced for its growth.

Bear Case : HDB

The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : TPB

The primary concerns for TPB are P/E Ratio, Market Cap.

Key Dynamics to Monitor

TPB carries more volatility with a beta of 0.85 — expect wider price swings.

TPB is growing revenue faster at 29.2% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HDB scores higher overall (78/100 vs 73/100), backed by strong 26.2% margins and 26.4% 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.

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Turning Point Brands Inc

CONSUMER DEFENSIVE · TOBACCO · USA

Turning Point Brands, Inc. manufactures, markets and distributes branded consumer products. The company is headquartered in Louisville, Kentucky.

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