BCH vs. HDB: Banco de Chile vs. HDFC Bank Stock Comparison

Company Profile

Banco de Chile (BCH) 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 de Chile (BCH) 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 de Chile (BCH) at 21.08% clears its industry range for ROE, a sharper capital-efficiency signal than HDFC Bank (HDB) at 11.01%, which is closer to a typical peer reading.

Banco de Chile (BCH) at 45.15% keeps a top-quartile share of each sales dollar as profit, while HDFC Bank (HDB) at 26.53% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) 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 de Chile (BCH) at -1.56% 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 de Chile (BCH) reports EPS growth of -1.84%, 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 de Chile (BCH) 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 de Chile (BCH) 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 de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile HDFC Bank (HDB) reports a yield of 52.63%, ranking against industry peers normally.

HDFC Bank (HDB) at 23.43% keeps its payout in the industry’s typical band, while Banco de Chile (BCH) at 85.54% pays out more than any of its peers — the most stretched cover in its group.

Dividend Metrics

Valuation

Both Banco de Chile (BCH) at 14.81 and HDFC Bank (HDB) at 16.22 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Banco de Chile (BCH) 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.

Banco de Chile (BCH) at 0.69 sits in the lower P/B ratio quartile relative to book while HDFC Bank (HDB) at 10.01 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics