WallStSmart

HSBC Holdings PLC ADR (HSBC)vsKeyCorp (KEY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 786% more annual revenue ($63.77B vs $7.20B). HSBC leads profitability with a 35.0% profit margin vs 27.0%. HSBC appears more attractively valued with a PEG of 1.23. KEY earns a higher WallStSmart Score of 75/100 (B).

HSBC

Buy

61

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.33

KEY

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 5.7Quality: 4.3
Piotroski: 6/9Altman Z: 0.06

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC4 strengths · Avg: 9.5/10
Market CapQuality
$313.47B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.0%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
49.7%10/10

Strong operational efficiency at 49.7%

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

KEY5 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.8%10/10

Strong operational efficiency at 35.8%

Profit MarginProfitability
27.0%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
30.3%8/10

Earnings expanding 30.3% YoY

Areas to Watch

HSBC4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

Debt/EquityHealth
2.791/10

Elevated debt levels

KEY3 concerns · Avg: 2.7/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

Free Cash FlowQuality
$-74.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.062/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HSBC

The strongest argument for HSBC centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 35.0% and operating margin at 49.7%. PEG of 1.23 suggests the stock is reasonably priced for its growth.

Bull Case : KEY

The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.0% and operating margin at 35.8%. Revenue growth of 11.8% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.79 is elevated, increasing financial risk.

Bear Case : KEY

The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

HSBC profiles as a value stock while KEY is a mature play — different risk/reward profiles.

KEY carries more volatility with a beta of 1.05 — expect wider price swings.

KEY is growing revenue faster at 11.8% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KEY scores higher overall (75/100 vs 61/100), backed by strong 27.0% margins and 11.8% revenue growth. Both earn "Strong Buy" and "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.

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.

KeyCorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.

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