FHN vs. HDB: First Horizon vs. HDFC Bank Stock Comparison

Company Profile

First Horizon (FHN) and HDFC Bank (HDB) both belong to the Banks industry, though FHN is classified under Regional Banks while HDB falls under Diversified Banks.

First Horizon (FHN) 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

HDFC Bank (HDB) at 11.01% is around its peer norm for ROE, while First Horizon (FHN) at 7.92% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both First Horizon (FHN) at 23.43% and HDFC Bank (HDB) at 26.53% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for First Horizon (FHN) 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

First Horizon (FHN) at 7.33% 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: First Horizon (FHN) reports EPS growth of 37.50%, 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: First Horizon (FHN) 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: First Horizon (FHN) 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

First Horizon (FHN) at 2.85% 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.

HDFC Bank (HDB) at 23.43% pays out a band-typical share of earnings, while First Horizon (FHN) at 47.48% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both First Horizon (FHN) at 16.58 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 First Horizon (FHN) 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.

First Horizon (FHN) at 1.34 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