HDB vs. KB: HDFC Bank vs. KB Financial Stock Comparison

Company Profile

HDFC Bank (HDB) and KB Financial (KB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both HDFC Bank (HDB) and KB Financial (KB) 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

Capital efficiency shows on one side only: HDFC Bank (HDB) earns 11.01% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

Both HDFC Bank (HDB) at 26.53% and KB Financial (KB) at 17.25% 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 HDFC Bank (HDB) in Banks and KB Financial (KB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both HDFC Bank (HDB) at 5.23% and KB Financial (KB) at 5.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Only one side can be read here: KB Financial (KB) reports EPS growth of 27.83%, 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: HDFC Bank (HDB) in Banks and KB Financial (KB) 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: HDFC Bank (HDB) in Banks and KB Financial (KB) 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

Both HDFC Bank (HDB) at 52.63% and KB Financial (KB) at 1,434.96% yield above their industries’ entire benchmark ranges — high enough that dividend safety, not income, becomes the first question.

Both HDFC Bank (HDB) at 23.43% and KB Financial (KB) at 26.89% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both HDFC Bank (HDB) in Banks and KB Financial (KB) 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.

Measured against book value, both HDFC Bank (HDB) at 10.01 and KB Financial (KB) at 3.68 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics