HDB vs. WF: HDFC Bank vs. Woori Financial Stock Comparison

Company Profile

HDFC Bank (HDB) and Woori Financial (WF) 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 Woori Financial (WF) 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

HDFC Bank (HDB) trades around 9.67M shares per day on average, while Woori Financial (WF) sees only 85.96K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

HDFC Bank (HDB) at 11.01% is around its peer norm for ROE, while Woori Financial (WF) at 7.93% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both HDFC Bank (HDB) at 26.53% and Woori Financial (WF) at 27.06% 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 Woori Financial (WF) 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 Woori Financial (WF) at 5.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Only one side can be read here: Woori Financial (WF) reports EPS growth of 2.58%, 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 Woori Financial (WF) 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 Woori Financial (WF) 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 Woori Financial (WF) at 1,108.19% 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 Woori Financial (WF) at 32.85% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 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 Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile relative to book while HDFC Bank (HDB) at 10.01 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics