HDFC BANK LIMITED vs WELLS FARGO & COMPANY/MN, two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in: HDFC at 24.8 times earnings assumes Indian banking compounds for a generation; Wells Fargo at 13 assumes American banking stays exactly as profitable as it is. Wells currently delivers the better returns where it counts for shareholders, 12% on equity against the merger-diluted 7.8%, with a visible 2% dividend; HDFC delivers the better banking, a 1.4% return on assets against 0.98% and a 30.8% net margin against 25.5%. Twelve turns of multiple separate saturation from runway. Both franchises are dominant at home; only one's home is still being banked for the first time.
Comparison updated 2026-07-10.
| Metric | HDB | WFC |
|---|---|---|
| Price | $25.74 | $83.88 |
| Market cap | $197.2B | $261.5B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 24.8 | 13.0 |
| P/B | 1.95 | 1.45 |
| P/S | 7.69 | 3.08 |
| Revenue growth | +26.0% | +4.2% |
| Net margin | 30.8% | 25.5% |
| Return on equity | 7.8% | 12.0% |
| Return on assets | 1.4% | 1.0% |
| Dividend yield | 1.0% | 2.0% |
| Debt / equity | 0.83 | 1.20 |
| Piotroski F (quality) | 7 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.