BAC vs. HDB: Bank of America vs. HDFC Bank Stock Comparison

Company Profile

Bank of America (BAC) and HDFC Bank (HDB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Bank of America (BAC) trades as ordinary local shares, while HDFC Bank (HDB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of America (BAC) at 10.73% and HDFC Bank (HDB) at 11.01% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Bank of America (BAC) at 28.06% keeps about the industry-typical share of revenue as profit, while HDFC Bank (HDB) at 26.53% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and HDFC Bank (HDB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Bank of America (BAC) at 6.84% is around its peer norm for revenue growth, while HDFC Bank (HDB) at 5.23% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Bank of America (BAC) reports EPS growth of 18.69%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and HDFC Bank (HDB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and HDFC Bank (HDB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Bank of America (BAC) at 2.33% pays an industry-typical yield; HDFC Bank (HDB) at 52.63% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both Bank of America (BAC) at 27.62% and HDFC Bank (HDB) at 23.43% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Bank of America (BAC) at 11.79 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Bank of America (BAC) in Banks and HDFC Bank (HDB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Bank of America (BAC) at 1.26 sits near its industry’s typical P/B ratio, while HDFC Bank (HDB) at 10.01 prices above its benchmark range — HDB looks rich relative to book.

Valuation Metrics