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HDFC Bank Limited (HDB) vs Lloyds Banking Group PLC (LYG)

HDFC Bank Limited and Lloyds Banking Group PLC are both Banks Regional companies. HDFC Bank Limited is the larger, with a market value of $127.0B against $74.1B — 1.7× the size. Lloyds Banking Group PLC trades at the lower P/E: 12.0× against 16.7×. HDFC Bank Limited grew revenue faster over the last twelve months: −11.2% against −76.8%. Lloyds Banking Group PLC has the higher net margin (55.0% vs 17.0%) and the higher return on invested capital (0.00% vs 0.00%). Across the 16 metrics below, Lloyds Banking Group PLC leads on 10 and HDFC Bank Limited on 6.

Valuation

Metric HDB LYG Banks Regional median
P/E 16.65 11.98 12.02
P/S 2.82 6.71 2.36
P/B 1.90 1.20 1.23
Price to free cash flow 3.71 2.01 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.00% 8.35% 8.21%
Free cash flow yield 26.97% 49.87% 9.23%

Profitability

Metric HDB LYG Banks Regional median
Gross margin 57.09% 66.28% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.01% 55.01% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 11.54% 0.00% 10.28%
Return on assets 1.46% 0.00% 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric HDB LYG Banks Regional median
Revenue growth (TTM) (11.19%) (76.84%) 6.37%
EPS growth (last fiscal year) (7.01%) 13.56% 18.85%
Revenue growth, 5-year CAGR 17.30% 3.00% 12.65%
Net income growth, 5-year CAGR 11.00% 37.87% 9.81%

Health

Metric HDB LYG Banks Regional median
Debt to equity 0.00 2.19 0.17
Current ratio 0.42 0.57 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HDB LYG Banks Regional median
Dividend yield — 4.13% 2.49%
Payout ratio — 0.60 0.29

Size

Metric HDB LYG Banks Regional median
Market cap 127.02b 74.10b 934.85m

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