HSBC Holdings PLC ADR (HSBC)vsOpen Lending Corp (LPRO)
HSBC
HSBC Holdings PLC ADR
$91.86
+2.89%
FINANCIAL SERVICES · Cap: $318.28B
LPRO
Open Lending Corp
$1.77
-1.12%
FINANCIAL SERVICES · Cap: $207.47M
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 67725% more annual revenue ($63.22B vs $93.22M). HSBC leads profitability with a 35.2% profit margin vs -4.5%. HSBC earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
LPRO
Avoid28
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 55.2%
Revenue surging 58.4% year-over-year
Earnings expanding 2398.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
3.0% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.9%
ROE of -5.5% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : HSBC
The strongest argument for HSBC centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 35.2% and operating margin at 55.2%. Revenue growth of 58.4% demonstrates continued momentum.
Bull Case : LPRO
The strongest argument for LPRO centers on Price/Book.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.
Bear Case : LPRO
The primary concerns for LPRO are Revenue Growth, Market Cap, Operating Margin.
Key Dynamics to Monitor
HSBC profiles as a growth stock while LPRO is a turnaround play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.02 — expect wider price swings.
HSBC is growing revenue faster at 58.4% — sustainability is the question.
HSBC generates stronger free cash flow (9.4B), providing more financial flexibility.
Bottom Line
HSBC scores higher overall (77/100 vs 28/100), backed by strong 35.2% margins and 58.4% revenue growth. Both earn "Strong Buy" and "Avoid" 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.
Open Lending Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
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