Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsHSBC Holdings PLC ADR (HSBC)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$25.01
-0.91%
FINANCIAL SERVICES · Cap: $138.82B
HSBC
HSBC Holdings PLC ADR
$86.61
+0.27%
FINANCIAL SERVICES · Cap: $294.15B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 98% more annual revenue ($67.44B vs $34.13B). HSBC leads profitability with a 41.2% profit margin vs 32.6%. BBVA appears more attractively valued with a PEG of 0.71. HSBC earns a higher WallStSmart Score of 73/100 (B).
BBVA
Strong Buy72
out of 100
Grade: B
HSBC
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 56.4%
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 56.2% YoY
Growing faster than its price suggests
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 56.4%. Revenue growth of 20.2% demonstrates continued momentum.
Bull Case : HSBC
The strongest argument for HSBC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 41.2% and operating margin at 50.4%. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bear Case : BBVA
The primary concerns for BBVA are Debt/Equity, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 1.80 is elevated, increasing financial risk.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Key Dynamics to Monitor
BBVA profiles as a growth stock while HSBC is a mature play — different risk/reward profiles.
BBVA carries more volatility with a beta of 0.90 — expect wider price swings.
BBVA is growing revenue faster at 20.2% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (73/100 vs 72/100), backed by strong 41.2% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
HSBC Holdings PLC ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
HSBC Holdings plc offers banking and financial products and services globally. The company is headquartered in London, the United Kingdom.
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