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HDB vs. SAN: A Head-to-Head Stock Comparison

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Here’s a clear look at HDB and SAN, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Both HDB and SAN are American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies.

SymbolHDBSAN
Company NameHDFC Bank LimitedBanco Santander, S.A.
CountryIndiaSpain
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization189.27 billion USD141.64 billion USD
ExchangeNYSENYSE
Listing DateJuly 20, 2001July 30, 1987
Security TypeADRADR

Historical Performance

This chart compares the performance of HDB and SAN 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.

HDB vs. SAN: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolHDBSAN
5-Day Price Return-0.89%5.35%
13-Week Price Return2.40%18.16%
26-Week Price Return15.38%42.41%
52-Week Price Return19.30%89.73%
Month-to-Date Return-1.87%6.36%
Year-to-Date Return11.76%79.53%
10-Day Avg. Volume7.40M25.66M
3-Month Avg. Volume10.11M28.93M
3-Month Volatility12.54%26.69%
Beta0.091.60

Profitability

Return on Equity (TTM)

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.

SAN

12.99%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

SAN’s Return on Equity of 12.99% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

HDB vs. SAN: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

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.

SAN

17.09%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, SAN’s Net Profit Margin of 17.09% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

HDB vs. SAN: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

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.

SAN

23.76%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

SAN’s Operating Profit Margin of 23.76% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

HDB vs. SAN: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolHDBSAN
Return on Equity (TTM)13.78%12.99%
Return on Assets (TTM)1.64%0.70%
Net Profit Margin (TTM)32.49%17.09%
Operating Profit Margin (TTM)42.04%23.76%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

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.

SAN

--

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 vs. SAN: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

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.

SAN

3.14

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 vs. SAN: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

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.

SAN

--

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 vs. SAN: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolHDBSAN
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)1.113.14
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

HDB vs. SAN: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

HDB vs. SAN: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

HDB

0.98%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

HDB’s Dividend Yield of 0.98% 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.

SAN

0.00%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

SAN currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

HDB vs. SAN: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

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.

SAN

22.00%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

SAN’s Dividend Payout Ratio of 22.00% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

HDB vs. SAN: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolHDBSAN
Dividend Yield (TTM)0.98%0.00%
Dividend Payout Ratio (TTM)83.17%22.00%

Valuation

Price-to-Earnings Ratio (TTM)

HDB

21.42

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

At 21.42, 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.

SAN

9.47

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

SAN’s P/E Ratio of 9.47 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

HDB vs. SAN: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

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.

SAN

0.89

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 vs. SAN: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

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.

SAN

0.93

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

SAN’s P/B Ratio of 0.93 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

HDB vs. SAN: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolHDBSAN
Price-to-Earnings Ratio (TTM)21.429.47
Price-to-Sales Ratio (TTM)6.770.89
Price-to-Book Ratio (MRQ)2.830.93
Price-to-Free Cash Flow Ratio (TTM)12.287.06