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HDFC Bank Limited (HDB) vs Nu Holdings Ltd. (NU)

HDFC Bank Limited and Nu Holdings Ltd. are both Banks Regional companies. HDFC Bank Limited is the larger, with a market value of $120.9B against $71.2B — 1.7× the size. HDFC Bank Limited trades at the lower P/E: 16.0× against 19.7×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against −11.2%. Nu Holdings Ltd. has the higher net margin (18.7% vs 17.0%) and the higher return on invested capital (62.5% vs 0.00%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and HDFC Bank Limited on 8.

Valuation

Metric HDB NU Banks Regional median
P/E 16.03 19.68 11.98
P/S 2.71 3.66 2.34
P/B 1.83 5.34 1.19
Price to free cash flow 3.57 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.24% 5.08% 8.23%
Free cash flow yield 28.02% (2.36%) 9.08%

Profitability

Metric HDB NU Banks Regional median
Gross margin 57.09% 71.67% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.01% 18.65% 18.66%
Free cash flow margin 0.00% (8.63%) 21.11%
Return on equity 11.54% 31.60% 10.65%
Return on assets 1.46% 4.96% 1.13%
Return on invested capital 0.00% 62.53% 8.35%

Growth

Metric HDB NU Banks Regional median
Revenue growth (TTM) (11.19%) 50.52% 6.98%
EPS growth (last fiscal year) (1.22%) 45.00% 18.88%
Revenue growth, 5-year CAGR 17.30% 84.54% 12.38%
Net income growth, 5-year CAGR 11.00% 0.00% 9.71%

Health

Metric HDB NU Banks Regional median
Debt to equity 0.00 0.35 0.22
Current ratio 0.42 0.55 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HDB NU Banks Regional median
Dividend yield — — 2.57%
Payout ratio — — 0.30

Size

Metric HDB NU Banks Regional median
Market cap 120.93b 71.15b 913.33m

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