Comparison of HDFC Bank Limited (HDB) and Itau Unibanco Holding S.A. (NYSE:ITUB)

Both HDFC Bank Limited (NYSE:HDB) and Itau Unibanco Holding S.A. (NYSE:ITUB) are each other?s competitor in the Foreign Regional Banks industry. Thus the compare of their analyst recommendations, profitability, risk, dividends, earnings and valuation, institutional ownership.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HDFC Bank Limited N/A 0.00 N/A 2.88 34.90
Itau Unibanco Holding S.A. N/A 0.00 N/A 0.59 15.63

Table 1 shows the top-line revenue, earnings per share (EPS) and valuation for HDFC Bank Limited and Itau Unibanco Holding S.A. Company that currently has a higher price-to-earnings ratio means that it is the more expensive of the two businesses. HDFC Bank Limited?s currently higher price-to-earnings ratio means it is more expensive than Itau Unibanco Holding S.A.


Table 2 demonstrates the return on assets, return on equity and net margins of HDFC Bank Limited and Itau Unibanco Holding S.A.

Net Margins Return on Equity Return on Assets
HDFC Bank Limited 0.00% 0% 0%
Itau Unibanco Holding S.A. 0.00% 19.3% 1.7%

Risk & Volatility

HDFC Bank Limited?s 0.58 beta indicates that its volatility is 42.00% less volatile than that of S&P 500. Itau Unibanco Holding S.A.?s 5.00% more volatile than S&P 500 which is a result of the 1.05 beta.


The annual dividend that HDFC Bank Limited pay is $0.19 per share with a dividend yield of 0.18%. Meanhile, Itau Unibanco Holding S.A.?s yearly dividend is $0.38 per share and 4.17% dividend yield.

Analyst Ratings

HDFC Bank Limited and Itau Unibanco Holding S.A. Ratings and Recommendations are available on the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
HDFC Bank Limited 0 0 0 0.00
Itau Unibanco Holding S.A. 0 1 0 2.00

Institutional & Insider Ownership

HDFC Bank Limited and Itau Unibanco Holding S.A. has shares held by institutional investors as follows: 18.6% and 26.4%. On the other hand, insiders held about 52.1% of Itau Unibanco Holding S.A.?s shares.


In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
HDFC Bank Limited -1.4% 2.26% 0.5% -0.97% 2.83% -3.04%
Itau Unibanco Holding S.A. -3.85% -11.27% 1.51% 34.48% -8.26% 3.29%

For the past year HDFC Bank Limited had bearish trend while Itau Unibanco Holding S.A. had bullish trend.


On 6 of the 9 factors Itau Unibanco Holding S.A. beats HDFC Bank Limited.

HDFC Bank Limited provides a range of banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. The company operates in Treasury, Retail Banking, Wholesale Banking, and Other Banking Business segments. It accepts savings accounts, salary accounts, current accounts, fixed and recurring deposits, demat accounts, safe deposit lockers, and rural accounts, as well as offshore accounts and deposits. The company also offers personal, business, home, consumer durable, car, two wheeler, gold, educational, rural, and term loans; loans for professionals; loans against property, securities, and assets; overdrafts; government sponsored programs; and working capital, healthcare, channel, short term, structured, dealer, and vendor finance, as well as agricultural lending. In addition, it provides credit, debit, and prepaid cards; private banking services; export, import, remittance, bank guarantees, and letter of credit services, as well as merchant and cash management services; life, health, motor, travel, and home insurance products; and investment product, such as mutual funds, equities and derivatives, IPO, and bonds. Further, the company offers bill discounting, real time gross settlement, bankers to right/public issue, forex, money market, employees trusts, and tax collection services; and investment banking services in the areas of project appraisal, structured finance, loan syndication, debt capital markets, equity placement, mergers and acquisitions, corporate advisory, and capital market advisory services. Additionally, it provides correspondent banking, settlement, custodial, disbursement, clearing, and administrative and fiduciary support services, as well as online and mobile banking services. As of March 31, 2017, the company operated a network of 4,715 branches and 12,260 ATMs in 2,657 cities/towns. HDFC Bank Limited was founded in 1994 and is based in Mumbai, India.

Itaú Unibanco Holding S.A. provides a range of financial products and services to individuals and corporate clients in Brazil and internationally. The company operates in three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. It accepts demand, savings, and time deposits; and offers payroll, mortgage, personal, and vehicle loans, as well as credit cards. The company also provides investment banking, cash management, consortium, custody and bookkeeping, asset management, and private banking services, as well as electronic payment means services. In addition, it offers property, casualty, and life insurance products; reinsurance products; pension plans; consumer finance credit; and capitalization, leasing, and brokerage services. As of December 31, 2016, Itaú Unibanco Holding S.A. operated a network of 5,103 branches and client service branches (CSBs), which included 3,653 branches in Brazil; 135 digital branches; 766 CSBs in Brazil; and 549 branches and CSBs in Latin America, as well as operated 46,175 automated teller machines. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. Itaú Unibanco Holding S.A. was founded in 1944 and is headquartered in São Paulo, Brazil.