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HDFC Bank Limited (HDB) vs Truist Financial Corporation (TFC)

HDFC Bank Limited and Truist Financial Corporation are both Banks Regional companies. HDFC Bank Limited is the larger, with a market value of $127.0B against $59.7B — 2.1× the size. Truist Financial Corporation trades at the lower P/E: 12.7× against 16.7×. Truist Financial Corporation grew revenue faster over the last twelve months: −5.37% against −11.2%. HDFC Bank Limited has the higher net margin (17.0% vs 16.9%) and the lower return on invested capital (0.00% vs 6.19%). Across the 18 metrics below, Truist Financial Corporation leads on 10 and HDFC Bank Limited on 8.

Valuation

Metric HDB TFC Banks Regional median
P/E 16.65 12.72 12.02
P/S 2.82 2.10 2.36
P/B 1.90 1.08 1.23
Price to free cash flow 3.71 13.25 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.00% 7.86% 8.21%
Free cash flow yield 26.97% 7.55% 9.23%

Profitability

Metric HDB TFC Banks Regional median
Gross margin 57.09% 67.41% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.01% 16.91% 18.82%
Free cash flow margin 0.00% 21.06% 17.97%
Return on equity 11.54% 8.41% 10.28%
Return on assets 1.46% 0.89% 1.13%
Return on invested capital 0.00% 6.19% 8.45%

Growth

Metric HDB TFC Banks Regional median
Revenue growth (TTM) (11.19%) (5.37%) 6.37%
EPS growth (last fiscal year) (7.01%) 13.69% 18.85%
Revenue growth, 5-year CAGR 17.30% 4.50% 12.65%
Net income growth, 5-year CAGR 11.00% 3.52% 9.81%

Health

Metric HDB TFC Banks Regional median
Debt to equity 0.00 0.87 0.17
Current ratio 0.42 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HDB TFC Banks Regional median
Dividend yield — 4.16% 2.49%
Payout ratio — 0.54 0.29

Size

Metric HDB TFC Banks Regional median
Market cap 127.02b 59.73b 934.85m

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