GGAL vs. HDB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at GGAL and HDB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
Both GGAL and HDB are American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies.
| Symbol | GGAL | HDB |
|---|---|---|
| Company Name | Grupo Financiero Galicia S.A. | HDFC Bank Limited |
| Country | Argentina | India |
| GICS Sector | Financials | Financials |
| GICS Industry | Banks | Banks |
| Market Capitalization | 7.83 billion USD | 191.80 billion USD |
| Exchange | NasdaqCM | NYSE |
| Listing Date | July 25, 2000 | July 20, 2001 |
| Security Type | ADR | ADR |
Historical Performance
This chart compares the performance of GGAL and HDB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | GGAL | HDB |
|---|---|---|
| 5-Day Price Return | -- | 0.42% |
| 13-Week Price Return | -- | 3.27% |
| 26-Week Price Return | -- | 15.82% |
| 52-Week Price Return | -- | 21.77% |
| Month-to-Date Return | -- | -1.48% |
| Year-to-Date Return | -- | 12.20% |
| 10-Day Avg. Volume | -- | 6.79M |
| 3-Month Avg. Volume | -- | 9.72M |
| 3-Month Volatility | -- | 12.41% |
| Beta | -- | -0.12 |
Profitability
Return on Equity (TTM)
GGAL
33.47%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
GGAL’s Return on Equity of 33.47% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
HDB
13.78%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
HDB’s Return on Equity of 13.78% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
GGAL
--
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
Net Profit Margin data for GGAL is currently unavailable.
HDB
32.49%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
HDB’s Net Profit Margin of 32.49% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
GGAL
--
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
Operating Profit Margin data for GGAL is currently unavailable.
HDB
42.04%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
HDB’s Operating Profit Margin of 42.04% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | GGAL | HDB |
|---|---|---|
| Return on Equity (TTM) | 33.47% | 13.78% |
| Return on Assets (TTM) | 6.53% | 1.64% |
| Net Profit Margin (TTM) | -- | 32.49% |
| Operating Profit Margin (TTM) | -- | 42.04% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
GGAL
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
HDB
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
GGAL
0.69
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
HDB
1.11
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
Interest Coverage Ratio (TTM)
GGAL
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
HDB
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
Financial Strength at a Glance
| Symbol | GGAL | HDB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Quick Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | 0.69 | 1.11 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
GGAL
7.53%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
With a Dividend Yield of 7.53%, GGAL offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.
HDB
0.97%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
HDB’s Dividend Yield of 0.97% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
GGAL
37.99%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
GGAL’s Dividend Payout Ratio of 37.99% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
HDB
83.17%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
HDB’s Dividend Payout Ratio of 83.17% is in the upper quartile for the Banks industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | GGAL | HDB |
|---|---|---|
| Dividend Yield (TTM) | 7.53% | 0.97% |
| Dividend Payout Ratio (TTM) | 37.99% | 83.17% |
Valuation
Price-to-Earnings Ratio (TTM)
GGAL
4.63
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
In the lower quartile for the Banks industry, GGAL’s P/E Ratio of 4.63 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
HDB
21.65
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
At 21.65, HDB’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Price-to-Sales Ratio (TTM)
GGAL
--
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
HDB
6.77
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
Price-to-Book Ratio (MRQ)
GGAL
1.41
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
GGAL’s P/B Ratio of 1.41 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
HDB
2.83
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
At 2.83, HDB’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | GGAL | HDB |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 4.63 | 21.65 |
| Price-to-Sales Ratio (TTM) | -- | 6.77 |
| Price-to-Book Ratio (MRQ) | 1.41 | 2.83 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 12.41 |