Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsHSBC Holdings PLC ADR (HSBC)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$29.55
+2.46%
FINANCIAL SERVICES · Cap: $162.85B
HSBC
HSBC Holdings PLC ADR
$105.30
+1.54%
FINANCIAL SERVICES · Cap: $366.94B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 98% more annual revenue ($67.43B vs $34.13B). HSBC leads profitability with a 37.8% profit margin vs 32.6%. HSBC appears more attractively valued with a PEG of 0.94. HSBC earns a higher WallStSmart Score of 69/100 (B-).
BBVA
Strong Buy66
out of 100
Grade: B-
HSBC
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 56.4%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 20.2% year-over-year
Mega-cap, among the largest globally
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 58.8%
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 25.4% year-over-year
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Trading at 8.4x book value
2.6% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BBVA
The strongest argument for BBVA centers on Profit Margin, Operating Margin, Market Cap. 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, Profit Margin, Operating Margin. Profitability is solid with margins at 37.8% and operating margin at 58.8%. Revenue growth of 25.4% demonstrates continued momentum.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.80 is elevated, increasing financial risk.
Bear Case : HSBC
The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
BBVA carries more volatility with a beta of 0.89 — expect wider price swings.
HSBC is growing revenue faster at 25.4% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (69/100 vs 66/100), backed by strong 37.8% margins and 25.4% revenue growth. 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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