HDB vs. KEY: HDFC Bank vs. KeyCorp Stock Comparison
How do HDFC Bank (HDB) and KeyCorp (KEY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
HDFC Bank (HDB) and KeyCorp (KEY) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
KeyCorp (KEY) 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.
| Profile Item | HDB | KEY |
|---|---|---|
| Name | HDFC Bank Ltd. ADR | KeyCorp |
| Country/Region | India | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 129.32 billion USD | 22.02 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 20, 2001 | November 5, 1987 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HDB | KEY |
|---|---|---|
| Total Return (1Y) | -27.88% | 24.10% |
| Total Return (3Y, Annualized) | -1.98% | 31.53% |
| Total Return (5Y, Annualized) | -5.21% | 3.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HDB | KEY |
|---|---|---|
| Volatility (1Y, Annualized) | 30.79% | 23.07% |
| Beta (5Y) | 0.57 | 1.06 |
| Max Drawdown (5Y) | -45.21% | -65.23% |
| Avg. Volume (3M) | 9.67M | 14.36M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HDB | KEY |
|---|---|---|
| Sharpe Ratio (1Y) | -1.04 | 0.86 |
| Sortino Ratio (1Y) | -1.40 | 1.25 |
Profitability
ROE (TTM)
Both HDFC Bank (HDB) at 11.01% and KeyCorp (KEY) at 11.17% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
HDB
Banks industry group
11.01%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- HDB
- 11.01%
- Q1
- 9.50%
- Min
- 3.64%
KEY
Banks industry group
11.17%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- KEY
- 11.17%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
KeyCorp (KEY) at 27.99% keeps about the industry-typical share of revenue as profit, while HDFC Bank (HDB) at 26.53% retains only a bottom-quartile share.
HDB
Banks industry group
26.53%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- HDB
- 26.53%
- Min
- 14.93%
KEY
Banks industry group
27.99%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- KEY
- 27.99%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for HDFC Bank (HDB) in Banks and KeyCorp (KEY) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HDB | KEY |
|---|---|---|
| ROE (TTM) | 11.01% | 11.17% |
| ROA (TTM) | 1.66% | 1.11% |
| Net Margin (TTM) | 26.53% | 27.99% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
KeyCorp (KEY) at 65.72% delivers above-range revenue growth, while HDFC Bank (HDB) at 5.23% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Neither HDFC Bank (HDB) nor KeyCorp (KEY) reports a EPS growth value for this period, so a direct comparison isn't possible.
Growth Metrics
| Metric | HDB | KEY |
|---|---|---|
| Revenue Growth (YoY) | 5.23% | 65.72% |
| Revenue Growth (3Y CAGR) | 27.45% | 1.21% |
| EPS Growth (YoY) | -- | -- |
| EPS Growth (3Y CAGR) | -- | -7.65% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: HDFC Bank (HDB) in Banks and KeyCorp (KEY) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: HDFC Bank (HDB) in Banks and KeyCorp (KEY) 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
| Metric | HDB | KEY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
KeyCorp (KEY) at 3.91% 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.
HDB
Banks industry group
52.63%
- HDB
- 52.63%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
KEY
Banks industry group
3.91%
- Max
- 5.79%
- KEY
- 3.91%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
HDFC Bank (HDB) at 23.43% pays out a band-typical share of earnings, while KeyCorp (KEY) at 45.05% distributes more than its industry norm — less retained, thinner cover.
HDB
Banks industry group
23.43%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- HDB
- 23.43%
- Q1
- 18.98%
- Min
- 0.00%
KEY
Banks industry group
45.05%
- Max
- 70.75%
- KEY
- 45.05%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | HDB | KEY |
|---|---|---|
| Dividend Yield (TTM) | 52.63% | 3.91% |
| Dividend Payout Ratio (TTM) | 23.43% | 45.05% |
Valuation
P/E Ratio (TTM)
KeyCorp (KEY) at 11.46 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.
HDB
Banks industry group
16.22
- Max
- 18.16
- HDB
- 16.22
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
KEY
Banks industry group
11.46
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- KEY
- 11.46
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both HDFC Bank (HDB) in Banks and KeyCorp (KEY) 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.
P/B Ratio (MRQ)
KeyCorp (KEY) at 1.39 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.
HDB
Banks industry group
10.01
- HDB
- 10.01
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
KEY
Banks industry group
1.39
- Max
- 2.28
- Q3
- 1.58
- KEY
- 1.39
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | HDB | KEY |
|---|---|---|
| P/E Ratio (TTM) | 16.22 | 11.46 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 10.01 | 1.39 |
| Free Cash Flow Yield (TTM) | -- | -- |