` Comparison: HDFA vs SBIN - Alpha Spread
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HDFA
vs
SBIN

Over the past 12 months, HDFA has underperformed SBIN, delivering a return of -6% compared to the SBIN's +42% growth.

Valuation Growth Profitability Solvency Stocks Performance
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HDFA
SBIN
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Stocks Compared:
HDFA SBIN
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Valuation Comparison

HDFA Intrinsic Value
23.59 EUR
Overvaluation 12%
Intrinsic Value
Price
SBIN Intrinsic Value
1 013.18 INR
Overvaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
HDFC Bank Ltd
F:HDFA
26.8 EUR
State Bank of India
NSE:SBIN
1 077.05 INR
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
HDFA, SBIN

HDFA
SBIN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
HDFC Bank Ltd
Revenue
State Bank of India
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HDFA, SBIN

HDFA
SBIN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
HDFC Bank Ltd
F:HDFA
FCF is not applicable for financial companies
State Bank of India
NSE:SBIN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HDFA
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
Not applicable for financial companies
State Bank of India
Not applicable for financial companies

Operating Margin

HDFA
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
Not applicable for financial companies
State Bank of India
Not applicable for financial companies

Net Margin

HDFA
23.9%
SBIN
21.3%
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
State Bank of India

FCF Margin

HDFA
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
Not applicable for financial companies
State Bank of India
Not applicable for financial companies

ROE

HDFA
14%
SBIN
15.7%
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
State Bank of India

ROA

HDFA
1.7%
SBIN
1.1%
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
State Bank of India

ROIC

HDFA
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
Not applicable for financial companies
State Bank of India
Not applicable for financial companies

ROCE

HDFA
SBIN
LTM 3Y Avg 5Y Avg 10Y Avg
HDFC Bank Ltd
Not applicable for financial companies
State Bank of India
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HDFA, SBIN

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HDFA, SBIN

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HDFA
SBIN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HDFA, SBIN

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