HDFC Bank Limited ADR (HDB)vsWashington Federal Inc (WAFDP)
HDB
HDFC Bank Limited ADR
$25.79
+2.67%
FINANCIAL SERVICES · Cap: $130.27B
WAFDP
Washington Federal Inc
$16.63
+1.59%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
HDFC Bank Limited ADR generates 387302% more annual revenue ($2.85T vs $734.47M). WAFDP leads profitability with a 33.1% profit margin vs 26.2%. WAFDP trades at a lower P/E of 6.0x. HDB earns a higher WallStSmart Score of 78/100 (B+).
HDB
Strong Buy78
out of 100
Grade: B+
WAFDP
Hold49
out of 100
Grade: D+
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
+87.0%
Fair Value
$128.14
Current Price
$16.63
$111.51 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 33 of every $100 in revenue as profit
Strong operational efficiency at 46.6%
Earnings expanding 46.6% YoY
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
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 : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.1% and operating margin at 46.6%.
Bear Case : HDB
The primary concerns for HDB are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : WAFDP
The primary concerns for WAFDP are Altman Z-Score.
Key Dynamics to Monitor
HDB profiles as a growth stock while WAFDP is a mature play — different risk/reward profiles.
WAFDP carries more volatility with a beta of 0.85 — 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 49/100), backed by strong 26.2% margins and 26.4% revenue growth. WAFDP offers better value entry with a 87.0% margin of safety. 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.
Visit Website →Washington Federal Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal Inc. (WAFDP), headquartered in Seattle, Washington, is a prominent financial institution that offers a comprehensive suite of services encompassing retail and commercial banking, mortgage banking, and wealth management. Known for its dedication to exceptional customer service, the bank strategically serves individuals, businesses, and communities throughout the Western United States. With a focus on technological innovation and local market expertise, Washington Federal maintains a solid financial foundation and exhibits strong resilience amid evolving market conditions. Its commitment to prudent risk management and community involvement positions it as a reliable partner in promoting economic growth and stability.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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