Banks - Regional
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5 / 10Stock Comparison
HDB vs IBN vs HBM vs ITUB vs BBD
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Copper
Banks - Regional
Banks - Regional
HDB vs IBN vs HBM vs ITUB vs BBD — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Copper | Banks - Regional | Banks - Regional |
| Market Cap | $196.13B | $95.70B | $9.52B | $93.13B | $40.84B |
| Revenue (TTM) | $4.19T | $2.95T | $2.22B | $384.58B | $342.23B |
| Net Income (TTM) | $692.23B | $528.91B | $570M | $44.86B | $23.21B |
| Gross Margin | 52.2% | 68.1% | 32.5% | 34.5% | 34.6% |
| Operating Margin | 20.5% | 24.8% | 41.4% | 13.1% | -1.1% |
| Forward P/E | 0.2x | 0.2x | 15.4x | 1.8x | 1.4x |
| Total Debt | $7.46T | $2.04T | $1.09B | $1.01T | $798.39B |
| Cash & Equiv. | $3.22T | $2.38T | $568M | $270.61B | $160.84B |
HDB vs IBN vs HBM vs ITUB vs BBD — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| HDFC Bank Limited (HDB) | 100 | 122.5 | +22.5% |
| ICICI Bank Limited (IBN) | 100 | 307.5 | +207.5% |
| Hudbay Minerals Inc. (HBM) | 100 | 888.9 | +788.9% |
| Itaú Unibanco Holdi… (ITUB) | 100 | 265.7 | +165.7% |
| Banco Bradesco S.A. (BBD) | 100 | 135.0 | +35.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HDB vs IBN vs HBM vs ITUB vs BBD
Each card shows where this stock fits in a portfolio — not just who wins on paper.
HDB is the #2 pick in this set and the best alternative if value is your priority.
- Lower P/E (0.2x vs 15.4x)
IBN ranks third and is worth considering specifically for sleep-well-at-night and valuation efficiency.
- Lower volatility, beta 0.59, Low D/E 61.9%, current ratio 0.19x
- PEG 0.01 vs BBD's 0.17
- NIM 3.7% vs ITUB's 1.2%
- Beta 0.59 vs HBM's 1.91
HBM carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 490.5% 10Y total return vs IBN's 362.5%
- 25.8% margin vs BBD's 6.8%
- +212.7% vs HDB's -26.7%
- 9.8% ROA vs BBD's 1.1%, ROIC 12.0% vs -0.3%
ITUB is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 4 yrs, beta 1.11, yield 10.1%
- Beta 1.11, yield 10.1%, current ratio 0.35x
- 10.1% yield, 4-year raise streak, vs BBD's 5.9%
BBD is the clearest fit if your priority is growth exposure.
- Rev growth 37.1%, EPS growth 34.4%
- 37.1% NII/revenue growth vs HBM's 8.9%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 37.1% NII/revenue growth vs HBM's 8.9% | |
| Value | Lower P/E (0.2x vs 15.4x) | |
| Quality / Margins | 25.8% margin vs BBD's 6.8% | |
| Stability / Safety | Beta 0.59 vs HBM's 1.91 | |
| Dividends | 10.1% yield, 4-year raise streak, vs BBD's 5.9% | |
| Momentum (1Y) | +212.7% vs HDB's -26.7% | |
| Efficiency (ROA) | 9.8% ROA vs BBD's 1.1%, ROIC 12.0% vs -0.3% |
HDB vs IBN vs HBM vs ITUB vs BBD — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
Segment breakdown not available.
Segment breakdown not available.
HDB vs IBN vs HBM vs ITUB vs BBD — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
HBM leads in 3 of 6 categories
BBD leads 1 • ITUB leads 1 • HDB leads 0 • IBN leads 0 • 1 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
HBM leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HDB is the larger business by revenue, generating $4.19T annually — 1893.8x HBM's $2.2B. HBM is the more profitable business, keeping 25.8% of every revenue dollar as net income compared to BBD's 6.8%.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $4.19T | $2.95T | $2.2B | $384.6B | $342.2B |
| EBITDAEarnings before interest/tax | $873.8B | $782.4B | $1.4B | $57.6B | -$1.4B |
| Net IncomeAfter-tax profit | $692.2B | $528.9B | $570M | $44.9B | $23.2B |
| Free Cash FlowCash after capex | $0 | $0 | $215M | $117.6B | -$201.5B |
| Gross MarginGross profit ÷ Revenue | +52.2% | +68.1% | +32.5% | +34.5% | +34.6% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +24.8% | +41.4% | +13.1% | -1.1% |
| Net MarginNet income ÷ Revenue | +16.1% | +17.3% | +25.8% | +11.7% | +6.8% |
| FCF MarginFCF ÷ Revenue | +26.9% | +26.3% | +9.7% | +33.3% | -92.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | +26.0% | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +14.6% | +14.6% | +5.1% | -11.4% | +46.2% |
Valuation Metrics
BBD leads this category, winning 3 of 7 comparable metrics.
Valuation Metrics
At 8.7x trailing earnings, BBD trades at a 51% valuation discount to IBN's 17.9x P/E. Adjusting for growth (PEG ratio), IBN offers better value at 0.48x vs HDB's 1.32x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $196.1B | $95.7B | $9.5B | $93.1B | $40.8B |
| Enterprise ValueMkt cap + debt − cash | $240.7B | $92.1B | $10.0B | $243.4B | $169.9B |
| Trailing P/EPrice ÷ TTM EPS | 17.58x | 17.87x | 16.44x | 10.62x | 8.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.17x | 0.19x | 15.41x | 1.80x | 1.44x |
| PEG RatioP/E ÷ EPS growth rate | 1.32x | 0.48x | — | 0.52x | 1.07x |
| EV / EBITDAEnterprise value multiple | 24.74x | 11.56x | 9.83x | 20.85x | — |
| Price / SalesMarket cap ÷ Revenue | 4.44x | 3.09x | 4.33x | 1.20x | 0.59x |
| Price / BookPrice ÷ Book value/share | 1.44x | 2.77x | 2.95x | 2.17x | 1.13x |
| Price / FCFMarket cap ÷ FCF | 16.51x | 11.75x | 48.13x | 3.59x | — |
Profitability & Efficiency
HBM leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
ITUB delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $12 for HDB. HBM carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to ITUB's 4.71x. On the Piotroski fundamental quality scale (0–9), IBN scores 7/9 vs ITUB's 4/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +12.3% | +15.3% | +19.2% | +20.6% | +13.2% |
| ROA (TTM)Return on assets | +1.5% | +2.0% | +9.8% | +1.5% | +1.1% |
| ROICReturn on invested capital | +4.0% | +10.9% | +12.0% | +3.2% | -0.3% |
| ROCEReturn on capital employed | +4.6% | +7.8% | +11.3% | +2.8% | -0.3% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 | 5 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.86x | 0.62x | 0.34x | 4.71x | 4.46x |
| Net DebtTotal debt minus cash | $4.23T | -$346.5B | $524M | $742.0B | $637.5B |
| Cash & Equiv.Liquid assets | $3.22T | $2.38T | $568M | $270.6B | $160.8B |
| Total DebtShort + long-term debt | $7.46T | $2.04T | $1.1B | $1.01T | $798.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.47x | 1.09x | 13.44x | 0.23x | -0.03x |
Total Returns (Dividends Reinvested)
HBM leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HBM five years ago would be worth $27,864 today (with dividends reinvested), compared to $8,156 for HDB. Over the past 12 months, HBM leads with a +212.7% total return vs HDB's -26.7%. The 3-year compound annual growth rate (CAGR) favors HBM at 65.5% vs HDB's -5.6% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -29.7% | -10.8% | +19.4% | +18.0% | +16.3% |
| 1-Year ReturnPast 12 months | -26.7% | -20.2% | +212.7% | +48.5% | +75.3% |
| 3-Year ReturnCumulative with dividends | -15.8% | +18.9% | +353.7% | +108.2% | +48.4% |
| 5-Year ReturnCumulative with dividends | -18.4% | +65.7% | +178.6% | +162.5% | +20.4% |
| 10-Year ReturnCumulative with dividends | +94.6% | +362.5% | +490.5% | +196.3% | +62.1% |
| CAGR (3Y)Annualised 3-year return | -5.6% | +5.9% | +65.5% | +27.7% | +14.1% |
Risk & Volatility
Evenly matched — IBN and BBD each lead in 1 of 2 comparable metrics.
Risk & Volatility
IBN is the less volatile stock with a 0.59 beta — it tends to amplify market swings less than HBM's 1.91 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BBD currently trades 89.8% from its 52-week high vs HDB's 64.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 0.59x | 1.91x | 1.11x | 1.15x |
| 52-Week HighHighest price in past year | $39.81 | $34.57 | $28.74 | $9.60 | $4.30 |
| 52-Week LowLowest price in past year | $23.91 | $25.08 | $7.40 | $6.05 | $2.26 |
| % of 52W HighCurrent price vs 52-week peak | +64.4% | +77.4% | +83.5% | +88.0% | +89.8% |
| RSI (14)Momentum oscillator 0–100 | 35.8 | 33.3 | 45.5 | 45.3 | 47.6 |
| Avg Volume (50D)Average daily shares traded | 9.1M | 6.3M | 5.4M | 24.3M | 38.1M |
Analyst Outlook
ITUB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: HDB as "Hold", IBN as "Buy", HBM as "Buy", ITUB as "Buy", BBD as "Hold". Consensus price targets imply -17.1% upside for BBD (target: $3) vs -56.9% for HBM (target: $10). For income investors, ITUB offers the higher dividend yield at 10.14% vs IBN's 0.78%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy | Buy | Buy | Hold |
| Price TargetConsensus 12-month target | — | — | $10.34 | $6.38 | $3.20 |
| # AnalystsCovering analysts | 6 | 6 | 20 | 12 | 15 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +0.8% | +0.1% | +10.1% | +5.9% |
| Dividend StreakConsecutive years of raises | 1 | 4 | 0 | 4 | 1 |
| Dividend / ShareAnnual DPS | $30.94 | $19.86 | $0.01 | $4.23 | $1.12 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | +0.7% | +0.1% |
HBM leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BBD leads in 1 (Valuation Metrics). 1 tied.
HDB vs IBN vs HBM vs ITUB vs BBD: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is HDB or IBN or HBM or ITUB or BBD a better buy right now?
For growth investors, Banco Bradesco S.
A. (BBD) is the stronger pick with 37. 1% revenue growth year-over-year, versus 8. 9% for Hudbay Minerals Inc. (HBM). Banco Bradesco S. A. (BBD) offers the better valuation at 8. 7x trailing P/E (1. 4x forward), making it the more compelling value choice. Analysts rate ICICI Bank Limited (IBN) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HDB or IBN or HBM or ITUB or BBD?
On trailing P/E, Banco Bradesco S.
A. (BBD) is the cheapest at 8. 7x versus ICICI Bank Limited at 17. 9x. On forward P/E, HDFC Bank Limited is actually cheaper at 0. 2x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: ICICI Bank Limited wins at 0. 01x versus Banco Bradesco S. A. 's 0. 17x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — HDB or IBN or HBM or ITUB or BBD?
Over the past 5 years, Hudbay Minerals Inc.
(HBM) delivered a total return of +178. 6%, compared to -18. 4% for HDFC Bank Limited (HDB). Over 10 years, the gap is even starker: HBM returned +490. 5% versus BBD's +62. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HDB or IBN or HBM or ITUB or BBD?
By beta (market sensitivity over 5 years), ICICI Bank Limited (IBN) is the lower-risk stock at 0.
59β versus Hudbay Minerals Inc. 's 1. 91β — meaning HBM is approximately 226% more volatile than IBN relative to the S&P 500. On balance sheet safety, Hudbay Minerals Inc. (HBM) carries a lower debt/equity ratio of 34% versus 5% for Itaú Unibanco Holding S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — HDB or IBN or HBM or ITUB or BBD?
By revenue growth (latest reported year), Banco Bradesco S.
A. (BBD) is pulling ahead at 37. 1% versus 8. 9% for Hudbay Minerals Inc. (HBM). On earnings-per-share growth, the picture is similar: Hudbay Minerals Inc. grew EPS 630. 0% year-over-year, compared to 2. 6% for HDFC Bank Limited. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HDB or IBN or HBM or ITUB or BBD?
Hudbay Minerals Inc.
(HBM) is the more profitable company, earning 26. 3% net margin versus 6. 8% for Banco Bradesco S. A. — meaning it keeps 26. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HBM leads at 25. 5% versus -1. 1% for BBD. At the gross margin level — before operating expenses — IBN leads at 68. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HDB or IBN or HBM or ITUB or BBD more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, ICICI Bank Limited (IBN) is the more undervalued stock at a PEG of 0. 01x versus Banco Bradesco S. A. 's 0. 17x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, HDFC Bank Limited (HDB) trades at 0. 2x forward P/E versus 15. 4x for Hudbay Minerals Inc. — 15. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BBD: -17. 1% to $3. 20.
08Which pays a better dividend — HDB or IBN or HBM or ITUB or BBD?
In this comparison, ITUB (10.
1% yield), BBD (5. 9% yield), HDB (1. 3% yield), IBN (0. 8% yield) pay a dividend. HBM does not pay a meaningful dividend and should not be held primarily for income.
09Is HDB or IBN or HBM or ITUB or BBD better for a retirement portfolio?
For long-horizon retirement investors, ICICI Bank Limited (IBN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
59), 0. 8% yield, +362. 5% 10Y return). Hudbay Minerals Inc. (HBM) carries a higher beta of 1. 91 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (IBN: +362. 5%, HBM: +490. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HDB and IBN and HBM and ITUB and BBD?
These companies operate in different sectors (HDB (Financial Services) and IBN (Financial Services) and HBM (Basic Materials) and ITUB (Financial Services) and BBD (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: HDB is a mid-cap high-growth stock; IBN is a mid-cap high-growth stock; HBM is a small-cap deep-value stock; ITUB is a mid-cap high-growth stock; BBD is a mid-cap high-growth stock. HDB, IBN, ITUB, BBD pay a dividend while HBM does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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