HSBC Holdings PLC ADR (HSBC)vsOneMain Holdings Inc (OMF)
HSBC
HSBC Holdings PLC ADR
$91.86
+2.89%
FINANCIAL SERVICES · Cap: $318.28B
OMF
OneMain Holdings Inc
$57.91
-1.23%
FINANCIAL SERVICES · Cap: $6.82B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 2027% more annual revenue ($63.22B vs $2.97B). HSBC leads profitability with a 35.2% profit margin vs 26.3%. OMF appears more attractively valued with a PEG of 0.75. OMF earns a higher WallStSmart Score of 85/100 (A).
HSBC
Strong Buy77
out of 100
Grade: B+
OMF
Exceptional Buy85
out of 100
Grade: A
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
Attractively priced relative to earnings
Strong operational efficiency at 33.7%
Earnings expanding 63.7% YoY
Every $100 of equity generates 24 in profit
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
No major concerns identified
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 : OMF
The strongest argument for OMF centers on P/E Ratio, Operating Margin, EPS Growth. Profitability is solid with margins at 26.3% and operating margin at 33.7%. Revenue growth of 12.2% demonstrates continued momentum.
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 : OMF
No major red flags identified for OMF, but monitor valuation.
Key Dynamics to Monitor
HSBC profiles as a growth stock while OMF is a mature play — different risk/reward profiles.
OMF carries more volatility with a beta of 1.26 — 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
OMF scores higher overall (85/100 vs 77/100), backed by strong 26.3% margins and 12.2% revenue growth. Both earn "Exceptional 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.
OneMain Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OneMain Holdings, Inc., a financial services holding company, is in the consumer finance and insurance businesses. The company is headquartered in Evansville, Indiana.
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