HDB
HDFC Bank Limited
Banks - Regional
Market Cap$196.13B
5Y Perf.+22.5%
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Stock Comparison
HDB vs KB
Revenue, margins, valuation, and 5-year total return — side by side.
KB
KB Financial Group Inc.
Banks - Regional
Market Cap$39.33B
5Y Perf.+305.4%
HDB vs KB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HDB | KB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $196.13B | $39.33B |
| Revenue (TTM) | $4.19T | $50.69T |
| Net Income (TTM) | $692.23B | $5.84T |
| Gross Margin | 52.2% | 49.1% |
| Operating Margin | 20.5% | 16.8% |
| Forward P/E | 0.2x | 0.0x |
| Total Debt | $7.46T | $0.00 |
| Cash & Equiv. | $3.22T | $0.00 |
HDB vs KB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HDB
KB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| HDFC Bank Limited (HDB) | 100 | 122.5 | +22.5% |
| KB Financial Group … (KB) | 100 | 405.4 | +305.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HDB vs KB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HDB leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. KB Financial Group Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
HDB
HDFC Bank Limited
The Banking Pick
HDB carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.70, yield 1.3%
- Lower volatility, beta 0.70, Low D/E 86.5%, current ratio 0.34x
- Beta 0.70, yield 1.3%, current ratio 0.34x
Best for: income & stability and sleep-well-at-night
KB
KB Financial Group Inc.
The Banking Pick
KB is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 34.2%, EPS growth 20.1%
- 356.4% 10Y total return vs HDB's 94.6%
- PEG 0.00 vs HDB's 0.01
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | KB | 34.2% NII/revenue growth vs HDB's 19.1% |
| Value | KB | Lower P/E (0.0x vs 0.2x), PEG 0.00 vs 0.01 |
| Quality / Margins | HDB | Efficiency ratio 0.3% vs KB's 0.3% (lower = leaner) |
| Stability / Safety | HDB | Beta 0.70 vs KB's 1.22 |
| Dividends | HDB | 1.3% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | KB | +71.2% vs HDB's -26.7% |
| Efficiency (ROA) | HDB | Efficiency ratio 0.3% vs KB's 0.3% |
HDB vs KB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2012
Segment breakdown not available.
HDB vs KB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLKBLAGGINGHDB
HDBHDFC Bank Limited
1leads
KBKB Financial Group In…
3leads
6 Total Categories
CATEGORYLEADERvs HDBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HDB4/4
Valuation MetricsMultiples, price ratios, and targets
KB6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
KB4/7
Total Returns1Y, 3Y, 5Y total returns with dividends
KB6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
HDB leads this category, winning 4 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
KB is the larger business by revenue, generating $50.69T annually — 12.1x HDB's $4.19T. Profitability is closely matched — net margins range from 16.1% (HDB) to 11.5% (KB).
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| RevenueTrailing 12 months | $4.19T | $50.69T |
| EBITDAEarnings before interest/tax | $873.8B | $9.21T |
| Net IncomeAfter-tax profit | $692.2B | $5.84T |
| Free Cash FlowCash after capex | $0 | -$8.38T |
| Gross MarginGross profit ÷ Revenue | +52.2% | +49.1% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +16.8% |
| Net MarginNet income ÷ Revenue | +16.1% | +11.5% |
| FCF MarginFCF ÷ Revenue | +26.9% | — |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +14.6% | +12.6% |
HDB leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
KB leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 10.6x trailing earnings, KB trades at a 40% valuation discount to HDB's 17.6x P/E. Adjusting for growth (PEG ratio), KB offers better value at 0.89x vs HDB's 1.32x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| Market CapShares × price | $196.1B | $39.3B |
| Enterprise ValueMkt cap + debt − cash | $240.7B | $39.3B |
| Trailing P/EPrice ÷ TTM EPS | 17.58x | 10.56x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.17x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 1.32x | 0.89x |
| EV / EBITDAEnterprise value multiple | 24.74x | 6.71x |
| Price / SalesMarket cap ÷ Revenue | 4.44x | 1.13x |
| Price / BookPrice ÷ Book value/share | 1.44x | 1.01x |
| Price / FCFMarket cap ÷ FCF | 16.51x | — |
KB leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
KB leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
HDB delivers a 12.3% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $10 for KB. On the Piotroski fundamental quality scale (0–9), HDB scores 5/9 vs KB's 2/9, reflecting solid financial health.
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| ROE (TTM)Return on equity | +12.3% | +9.6% |
| ROA (TTM)Return on assets | +1.5% | +1.0% |
| ROICReturn on invested capital | +4.0% | +4.9% |
| ROCEReturn on capital employed | +4.6% | — |
| Piotroski ScoreFundamental quality 0–9 | 5 | 2 |
| Debt / EquityFinancial leverage | 0.86x | — |
| Net DebtTotal debt minus cash | $4.23T | $0 |
| Cash & Equiv.Liquid assets | $3.22T | $0 |
| Total DebtShort + long-term debt | $7.46T | $0 |
| Interest CoverageEBIT ÷ Interest expense | 0.47x | 0.65x |
KB leads this category, winning 4 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
KB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in KB five years ago would be worth $23,794 today (with dividends reinvested), compared to $8,156 for HDB. Over the past 12 months, KB leads with a +71.2% total return vs HDB's -26.7%. The 3-year compound annual growth rate (CAGR) favors KB at 46.5% vs HDB's -5.6% — a key indicator of consistent wealth creation.
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| YTD ReturnYear-to-date | -29.7% | +29.7% |
| 1-Year ReturnPast 12 months | -26.7% | +71.2% |
| 3-Year ReturnCumulative with dividends | -15.8% | +214.3% |
| 5-Year ReturnCumulative with dividends | -18.4% | +137.9% |
| 10-Year ReturnCumulative with dividends | +94.6% | +356.4% |
| CAGR (3Y)Annualised 3-year return | -5.6% | +46.5% |
KB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — HDB and KB each lead in 1 of 2 comparable metrics.
Risk & Volatility
HDB is the less volatile stock with a 0.70 beta — it tends to amplify market swings less than KB's 1.22 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KB currently trades 92.6% from its 52-week high vs HDB's 64.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.70x | 1.22x |
| 52-Week HighHighest price in past year | $39.81 | $119.71 |
| 52-Week LowLowest price in past year | $23.91 | $65.31 |
| % of 52W HighCurrent price vs 52-week peak | +64.4% | +92.6% |
| RSI (14)Momentum oscillator 0–100 | 35.8 | 54.8 |
| Avg Volume (50D)Average daily shares traded | 9.1M | 251K |
Evenly matched — HDB and KB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates HDB as "Hold" and KB as "Hold". HDB is the only dividend payer here at 1.27% yield — a key consideration for income-focused portfolios.
| Metric | HDBHDFC Bank Limited | KBKB Financial Grou… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 6 | 6 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | — |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $30.94 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
KB leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). HDB leads in 1 (Income & Cash Flow). 1 tied.
Best OverallKB Financial Group Inc. (KB)Leads 3 of 6 categories
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HDB vs KB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HDB or KB a better buy right now?
For growth investors, KB Financial Group Inc.
(KB) is the stronger pick with 34. 2% revenue growth year-over-year, versus 19. 1% for HDFC Bank Limited (HDB). KB Financial Group Inc. (KB) offers the better valuation at 10. 6x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate HDFC Bank Limited (HDB) a "Hold" — 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 KB?
On trailing P/E, KB Financial Group Inc.
(KB) is the cheapest at 10. 6x versus HDFC Bank Limited at 17. 6x. On forward P/E, KB Financial Group Inc. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: KB Financial Group Inc. wins at 0. 00x versus HDFC Bank Limited's 0. 01x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — HDB or KB?
Over the past 5 years, KB Financial Group Inc.
(KB) delivered a total return of +137. 9%, compared to -18. 4% for HDFC Bank Limited (HDB). Over 10 years, the gap is even starker: KB returned +356. 4% versus HDB's +94. 6%. 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 KB?
By beta (market sensitivity over 5 years), HDFC Bank Limited (HDB) is the lower-risk stock at 0.
70β versus KB Financial Group Inc. 's 1. 22β — meaning KB is approximately 76% more volatile than HDB relative to the S&P 500.
05Which is growing faster — HDB or KB?
By revenue growth (latest reported year), KB Financial Group Inc.
(KB) is pulling ahead at 34. 2% versus 19. 1% for HDFC Bank Limited (HDB). On earnings-per-share growth, the picture is similar: KB Financial Group Inc. grew EPS 20. 1% 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 KB?
HDFC Bank Limited (HDB) is the more profitable company, earning 16.
1% net margin versus 11. 5% for KB Financial Group Inc. — meaning it keeps 16. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HDB leads at 20. 5% versus 16. 8% for KB. At the gross margin level — before operating expenses — HDB leads at 52. 2%, 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 KB 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, KB Financial Group Inc. (KB) is the more undervalued stock at a PEG of 0. 00x versus HDFC Bank Limited's 0. 01x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, KB Financial Group Inc. (KB) trades at 0. 0x forward P/E versus 0. 2x for HDFC Bank Limited — 0. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — HDB or KB?
In this comparison, HDB (1.
3% yield) pays a dividend. KB does not pay a meaningful dividend and should not be held primarily for income.
09Is HDB or KB better for a retirement portfolio?
For long-horizon retirement investors, HDFC Bank Limited (HDB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
70), 1. 3% yield). Both have compounded well over 10 years (HDB: +94. 6%, KB: +356. 4%), 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 KB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
HDB pays a dividend while KB 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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Revenue Growth>
%
(HDB: 19.1% · KB: 34.2%)Net Margin>
%
(HDB: 16.1% · KB: 11.5%)P/E Ratio<
x
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