HDFC Bank vs Santander

This page compares HDFC Bank Ltd. and Banco Santander, S.A., outlining their business models, financial performance, and market context in a neutral, accessible way. It presents comparisons to inform rather than persuade, without offering specific recommendations. Educational content, not financial advice.

This page compares HDFC Bank Ltd. and Banco Santander, S.A., outlining their business models, financial performance, and market context in a neutral, accessible way. It presents comparisons to inform ...

Comparison Snapshot

Key Financial Metrics

HDB

Metric

SAN

$153.97B

Market Cap

$180.91B

36.63%

Potential Profit

-14.31%

Strong Buy

Analyst Rating

Hold

Why It's Moving

HDFC Bank Earnings Crush Expectations, Sparking Institutional Buying Frenzy

EPS of $0.44 beat consensus by 22%, highlighting stronger-than-anticipated profitability amid expanding loan books.
Revenue exploded to $8.08B, over 60% above estimates, reflecting surging deposit growth and operational efficiencies.
Allspring Global Investments hiked its stake by 47% to over 2.2M shares, while GAM Holding doubled down, amplifying bullish institutional flows.

Sentiment:

🐃Bullish

Banco Santander surges to 52-week high amid revenue strength and analyst scrutiny.

Revenue crushed expectations at $26.22 billion versus $15.32 billion forecast, highlighting strong net interest income and a healthy 17.9% net margin.
Hit intraday 52-week high of $12.34 with elevated trading volume, reflecting market enthusiasm for 11.68% return on equity.
Analysts split with Hold consensus after downgrades from DZ Bank, Barclays, and UBS, tempering optimism on near-term upside.

Sentiment:

🐃Bullish

HDFC Bank Earnings Crush Expectations, Sparking Institutional Buying Frenzy

EPS of $0.44 beat consensus by 22%, highlighting stronger-than-anticipated profitability amid expanding loan books.
Revenue exploded to $8.08B, over 60% above estimates, reflecting surging deposit growth and operational efficiencies.
Allspring Global Investments hiked its stake by 47% to over 2.2M shares, while GAM Holding doubled down, amplifying bullish institutional flows.

Sentiment:

🐃Bullish

Banco Santander surges to 52-week high amid revenue strength and analyst scrutiny.

Revenue crushed expectations at $26.22 billion versus $15.32 billion forecast, highlighting strong net interest income and a healthy 17.9% net margin.
Hit intraday 52-week high of $12.34 with elevated trading volume, reflecting market enthusiasm for 11.68% return on equity.
Analysts split with Hold consensus after downgrades from DZ Bank, Barclays, and UBS, tempering optimism on near-term upside.

Sentiment:

🐃Bullish

Investment Analysis

HDFC Bank

HDB

Pros

Reported a 9.3% year-on-year growth in net profit to ₹20,364 crore in Q2 FY 2025-26, indicating solid profitability.
Maintains strong capital adequacy ratio of 19.6%, well above regulatory requirements, supporting risk absorption capacity.
Customer advances grew by 5.4% QoQ and 14.1% YoY, driven by retail mortgage, personal loans, and auto loans expansions.

Considerations

Consolidated revenues declined by 10.9% quarter-on-quarter in Q2 FY 2025-26, reflecting near-term top-line pressure.
Earnings per share dropped 39.8% QoQ and 45.4% YoY in Q2 FY 2025-26, indicating potential earnings volatility.
Gross non-performing assets increased to 1.33%, albeit still relatively low, suggesting some asset quality challenges.

Santander

SAN

Pros

Reported a revenue increase of 10.97% in 2024, reaching EUR 50.8 billion, reflecting steady growth momentum.
Net income rose 12.94% in 2024 to EUR 11.95 billion, showing improving profitability across global operations.
Diversified operations across retail, commercial, investment banking, wealth management, and digital banking mitigate sector risks.

Considerations

Price-to-earnings ratio near 9.7 and dividend yield around 1.14% reflect modest valuation and shareholder returns.
Exposed to market volatility with a beta of 1.30, indicating higher stock price sensitivity to market movements.
Faces ongoing macroeconomic and regulatory challenges in key European and Latin American markets impacting growth.

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