WallStSmart

HSBC Holdings PLC ADR (HSBC)vsNu Holdings Ltd (NU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 699% more annual revenue ($67.43B vs $8.44B). NU leads profitability with a 42.7% profit margin vs 37.8%. NU appears more attractively valued with a PEG of 0.71. NU earns a higher WallStSmart Score of 79/100 (B+).

HSBC

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

NU

Strong Buy

79

out of 100

Grade: B+

Growth: 10.0Profit: 9.0Value: 6.3Quality: 2.5
Piotroski: 2/9Altman Z: 0.22

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.0/10
Market CapQuality
$366.94B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
37.8%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
58.8%10/10

Strong operational efficiency at 58.8%

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
25.4%8/10

Revenue surging 25.4% year-over-year

NU6 strengths · Avg: 9.7/10
Profit MarginProfitability
42.7%10/10

Keeps 43 of every $100 in revenue as profit

Operating MarginProfitability
50.1%10/10

Strong operational efficiency at 50.1%

Revenue GrowthGrowth
52.1%10/10

Revenue surging 52.1% year-over-year

EPS GrowthGrowth
66.3%10/10

Earnings expanding 66.3% YoY

Market CapQuality
$74.25B9/10

Large-cap with strong market position

Return on EquityProfitability
27.2%9/10

Every $100 of equity generates 27 in profit

Areas to Watch

HSBC3 concerns · Avg: 3.3/10
Price/BookValuation
8.4x4/10

Trading at 8.4x book value

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

NU4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-2.93B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.222/10

Distress zone — elevated risk

Debt/EquityHealth
3.171/10

Elevated debt levels

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 37.8% and operating margin at 58.8%. Revenue growth of 25.4% demonstrates continued momentum.

Bull Case : NU

The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 42.7% and operating margin at 50.1%. Revenue growth of 52.1% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.

Bear Case : NU

The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.17 is elevated, increasing financial risk.

Key Dynamics to Monitor

NU carries more volatility with a beta of 0.94 — expect wider price swings.

NU is growing revenue faster at 52.1% — sustainability is the question.

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

Bottom Line

NU scores higher overall (79/100 vs 69/100), backed by strong 42.7% margins and 52.1% 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.

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.

Nu Holdings Ltd

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.

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