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HDB vs PGR

HDB
HDFC Bank Limited
NEUTRAL
Price
$25.71
Market Cap
$131.94B
Sector
Financial Services
AI Confidence
80%
PGR
The Progressive Corporation
BULLISH
Price
$193.45
Market Cap
$113.34B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
HDB
17.98
PGR
10.06
Forward P/E
HDB
17.45
PGR
12.0
P/B Ratio
HDB
10.61
PGR
3.74
P/S Ratio
HDB
0.05
PGR
1.29
EV/EBITDA
HDB
--
PGR
7.64

Profitability

Gross Margin
HDB
0.0%
PGR
18.55%
Operating Margin
HDB
40.54%
PGR
16.5%
Profit Margin
HDB
26.83%
PGR
12.9%
ROE
HDB
13.82%
PGR
40.45%
ROA
HDB
1.7%
PGR
7.92%

Growth

Revenue Growth
HDB
-1.8%
PGR
12.2%
Earnings Growth
HDB
7.5%
PGR
25.2%

Financial Health

Debt/Equity
HDB
--
PGR
0.23
Current Ratio
HDB
--
PGR
0.36
Quick Ratio
HDB
--
PGR
0.3

Dividends

Dividend Yield
HDB
1.63%
PGR
7.01%
Payout Ratio
HDB
21.55%
PGR
72.28%

AI Verdict

HDB NEUTRAL

HDB exhibits a stable financial health profile with a Piotroski F-Score of 5/9, though it lacks an Altman Z-Score as is typical for banking institutions. The current price of $25.71 is almost perfectly aligned with its growth-based intrinsic value of $26.1, suggesting the stock has reached a fundamental floor after a severe correction. While the company maintains a strong track record of earnings surprises and a 'Strong Buy' analyst consensus, these are offset by negative YoY revenue growth and a completely bearish technical trend (0/100). The valuation is further complicated by an exceptionally high Price-to-Book ratio of 10.61, which is aggressive for the regional banking sector.

Strengths
Consistent earnings beat track record (3/4 last 4 quarters)
Strong profitability with a 26.83% profit margin
Sustainable dividend payout ratio of 21.55%
Risks
Negative YoY revenue growth (-1.80%)
Severe technical bearishness with a 0/100 trend score
Extremely high Price-to-Book ratio (10.61)
PGR BULLISH

PGR shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 10.1
Low debt with D/E ratio of 0.23
Strong ROE of 40.4%
Risks
Limited historical data available for full assessment

Compare Another Pair

HDB vs PGR: Head-to-Head Comparison

This page compares HDFC Bank Limited (HDB) and The Progressive Corporation (PGR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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