HSBC Holdings PLC ADR (HSBC)vsMastercard Inc (MA)
HSBC
HSBC Holdings PLC ADR
$90.20
-1.24%
FINANCIAL SERVICES · Cap: $308.47B
MA
Mastercard Inc
$660.73
-1.23%
FINANCIAL SERVICES · Cap: $555.82B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 86% more annual revenue ($67.44B vs $36.29B). MA leads profitability with a 46.7% profit margin vs 41.2%. HSBC appears more attractively valued with a PEG of 0.78. HSBC earns a higher WallStSmart Score of 73/100 (B).
HSBC
Strong Buy73
out of 100
Grade: B
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 52.2%
Growing faster than its price suggests
Earnings expanding 46.4% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 251 in profit
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Safe zone — low bankruptcy risk
Earnings expanding 21.7% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 85.4x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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 52.2%. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.7% and operating margin at 60.5%. Revenue growth of 14.0% demonstrates continued momentum.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.39 is elevated, increasing financial risk.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 3.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
MA carries more volatility with a beta of 0.76 — expect wider price swings.
MA is growing revenue faster at 14.0% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (73/100 vs 70/100), 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.
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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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