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HDB vs V

HDB
HDFC Bank Limited
NEUTRAL
Price
$25.71
Market Cap
$131.94B
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HDB
17.98
V
28.35
Forward P/E
HDB
17.45
V
20.79
P/B Ratio
HDB
10.61
V
15.09
P/S Ratio
HDB
0.05
V
14.08
EV/EBITDA
HDB
--
V
20.06

Profitability

Gross Margin
HDB
0.0%
V
97.78%
Operating Margin
HDB
40.54%
V
68.3%
Profit Margin
HDB
26.83%
V
50.23%
ROE
HDB
13.82%
V
53.95%
ROA
HDB
1.7%
V
18.36%

Growth

Revenue Growth
HDB
-1.8%
V
14.6%
Earnings Growth
HDB
7.5%
V
17.4%

Financial Health

Debt/Equity
HDB
--
V
0.55
Current Ratio
HDB
--
V
1.11
Quick Ratio
HDB
--
V
0.72

Dividends

Dividend Yield
HDB
1.63%
V
0.89%
Payout Ratio
HDB
21.55%
V
22.91%

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)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HDB vs V: Head-to-Head Comparison

This page compares HDFC Bank Limited (HDB) and Visa Inc. (V) 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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