BSBR vs. HDB: Banco Santander (Brasil) vs. HDFC Bank Stock Comparison

Company Profile

Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) 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

Both Banco Santander (Brasil) (BSBR) at 10.20% 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.

Banco Santander (Brasil) (BSBR) at 27.53% 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at -3.79% 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 Santander (Brasil) (BSBR) reports EPS growth of -4.61%, 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 5.60% 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.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile HDFC Bank (HDB) reports 23.43%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Banco Santander (Brasil) (BSBR) at 14.97 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 0.34 prices below its industry’s P/B ratio range while HDFC Bank (HDB) at 10.01 prices above it — an unusually wide split in valuation relative to book.

Valuation Metrics