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HSBC

NEUTRAL
$89.96 Live
HSBC Holdings plc · NYSE
Target $95.75 (+6.4%)
$54.97 52W Range $94.8

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026
Market cap
$311.7B
P/E
14.99
ROE
11.6%
Profit margin
35.2%
Debt/Equity
N/A
Dividend yield
4.17%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
HSBC presents a contradictory profile, anchored by a weak Piotroski F-Score of 2/9 which indicates significant fundamental health concerns. While the stock shows explosive YoY revenue and earnings growth, this is offset by a poor earnings track record with an average surprise of -52.96% and a bearish technical trend (10/100). There is a massive valuation gap between the Graham Number ($41.8) and the growth-based Intrinsic Value ($177.0), suggesting the current price of $89.96 is speculative. Despite these risks, the dividend profile remains stable and the forward P/E is attractive.

Key Strengths

Exceptional YoY Revenue Growth (58.40%)
Strong Profit Margin (35.25%) and Operating Margin (55.23%)
Attractive Forward P/E Ratio (9.62)
Sustainable Dividend Yield (4.17%) with a moderate payout ratio (55%)
Strong 1-year price appreciation (+68.1%)

Key Risks

Critical fundamental weakness indicated by Piotroski F-Score (2/9)
Consistent failure to meet earnings estimates (1/4 beats, -52.96% avg surprise)
Severely bearish technical trend (10/100)
High Price-to-Book ratio (6.95) relative to typical banking standards
Bearish insider sentiment (40/100)
AI Fair Value Estimate
Based on comprehensive analysis
$82.5
-8.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
50
Moderate
Value
55
Future
60
Past
40
Health
20
Dividend
75
AI Verdict
Speculative Hold
Key drivers: Extreme growth volatility, Poor fundamental health score, Strong dividend support, Bearish technicals
Confidence
80%
Value
55/100

P/E is low, but the Graham Number suggests the stock is overvalued based on defensive metrics.

Positives
  • Low Forward P/E
  • PEG ratio near 1.0
Watchpoints
  • Trades at a significant premium to Graham Number ($41.8)
  • High P/B ratio
Future
60/100

Growth rates are high but lack consistency and predictability.

Positives
  • Massive YoY earnings and revenue growth
Watchpoints
  • Negative Q/Q revenue growth (-22.82%)
  • Unreliable earnings surprises
Past
40/100

Price action has decoupled from earnings delivery.

Positives
  • Strong 5Y and 1Y price performance
Watchpoints
  • Poor earnings track record over last 5 quarters
Health
20/100

The low F-Score is a primary red flag for long-term stability.

Positives
  • Positive ROE (11.62%)
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
Dividend
75/100

Dividend strength is one of the few stable pillars of the investment.

Positives
  • Consistent yield
  • Healthy payout ratio
Watchpoints
  • Yield is moderate, not exceptional

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$89.96
Analyst Target
$95.75
Upside/Downside
+6.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HSBC and closest competitors.

Updated 2026-04-27
HSB
HSBC Holdings plc
Primary
5Y
+295.2%
3Y
+210.4%
1Y
+68.1%
6M
+38.6%
1M
+13.6%
1W
-1.8%
BAC
Bank of America Corporation
Peer
5Y
+39.4%
3Y
+84.3%
1Y
+19.4%
6M
-4.5%
1M
-1.6%
1W
+1.3%
GS
The Goldman Sachs Group, Inc.
Peer
5Y
+208.5%
3Y
+198.4%
1Y
+89.2%
6M
+20.0%
1M
+10.2%
1W
+5.2%
WFC
Wells Fargo & Company
Peer
5Y
+131.9%
3Y
+136.1%
1Y
+40.3%
6M
+10.9%
1M
+16.9%
1W
+5.8%
MS
Morgan Stanley
Peer
5Y
+146.9%
3Y
+106.9%
1Y
+44.8%
6M
+4.7%
1M
-1.5%
1W
-0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.99
Forward P/E
9.62
PEG Ratio
1.19
P/B Ratio
6.95
P/S Ratio
4.93
EV/Revenue
17.21
EV/EBITDA
N/A
Market Cap
$311.7B

Profitability

Profit margins and return metrics

Profit Margin 35.25%
Operating Margin 55.23%
Gross Margin N/A
ROE 11.62%
ROA 0.74%

Growth

Revenue and earnings growth rates

Revenue Growth +58.4%
Earnings Growth +2397.9%
Q/Q Revenue Growth -22.82%
Q/Q Earnings Growth +1308.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$67.74

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$12.9B
Net Margin
38.2%
Total Assets
$3233.0B
Liabilities
$3027.4B
Equity
$198.2B
Debt/Equity
15.27x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-05
$N/A
2026-02-25
$1.85
+3.0% surprise
2025-02-18
$0.05
-96.7% surprise
2013-08-05
$1.08
-65.1% surprise

Financial Services Sector Comparison

Comparing HSBC against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
14.99
This Stock
vs
36.01
Sector Avg
-58.4% (Discount)
Return on Equity (ROE)
11.62%
This Stock
vs
-0.73%
Sector Avg
-1686.5% (Below Avg)
Profit Margin
35.25%
This Stock
vs
91.62%
Sector Avg
-61.5% (Weaker)
Revenue Growth
58.4%
This Stock
vs
35.27%
Sector Avg
+65.6% (Fast Growth)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2026-02-26

HSBC filed its 20-F annual report on February 26, 2026, providing a comprehensive overview of its global financial performance and operational results. The filing details the company's key financial highlights and outlines the systemic, regulatory, and market risks inherent to its international banking operations.

20-F
20-F
2025-02-20

HSBC filed its 20-F annual report on February 20, 2025. This comprehensive filing details the company's full-year financial performance and provides an updated analysis of its operational, regulatory, and market risks.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
3 analysts
Keefe, Bruyette & Woods
2025-12-17
up
Market Perform Outperform
B of A Securities
2025-12-10
up
Neutral Buy

Past News Coverage

Recent headlines mentioning HSBC from our newsroom.

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