BBVA vs. HDB: Banco Bilbao Vizcaya Argentaria vs. HDFC Bank Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) 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.

Both Banco Bilbao Vizcaya Argentaria (BBVA) and HDFC Bank (HDB) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

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

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while HDFC Bank (HDB) at 11.01% is closer to the peer norm — stronger capital efficiency for BBVA.

Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% 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 Banco Bilbao Vizcaya Argentaria (BBVA) 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

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% and HDFC Bank (HDB) at 5.23% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Only one side can be read here: Banco Bilbao Vizcaya Argentaria (BBVA) reports EPS growth of 4.76%, 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: Banco Bilbao Vizcaya Argentaria (BBVA) 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: Banco Bilbao Vizcaya Argentaria (BBVA) 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

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% earns its spot in the top quartile of its industry’s yields; HDFC Bank (HDB) at 52.63% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

HDFC Bank (HDB) at 23.43% pays out a band-typical share of earnings, while Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 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 Banco Bilbao Vizcaya Argentaria (BBVA) 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.

Both look rich against book: Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 sits in the upper P/B ratio quartile, and HDFC Bank (HDB) at 10.01 prices even higher, above its industry range.

Valuation Metrics