WallStSmart

HSBC Holdings PLC ADR (HSBC)vsBRC Group Holdings, Inc. (RILYL)

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Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 6226% more annual revenue ($67.44B vs $1.07B). HSBC leads profitability with a 41.2% profit margin vs 38.6%. RILYL trades at a lower P/E of 1.3x. HSBC earns a higher WallStSmart Score of 73/100 (B).

HSBC

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

RILYL

Avoid

30

out of 100

Grade: F

Growth: 4.0Profit: 9.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$294.15B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
41.2%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

EPS GrowthGrowth
56.2%10/10

Earnings expanding 56.2% YoY

PEG RatioValuation
0.808/10

Growing faster than its price suggests

RILYL4 strengths · Avg: 9.5/10
P/E RatioValuation
1.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
276.7%10/10

Every $100 of equity generates 277 in profit

Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

HSBC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

RILYL4 concerns · Avg: 2.0/10
Market CapQuality
$536.57M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Debt/EquityHealth
9.311/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull 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 50.4%. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bull Case : RILYL

The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Altman Z-Score.

Bear Case : RILYL

The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.

Key Dynamics to Monitor

RILYL carries more volatility with a beta of 1.24 — expect wider price swings.

RILYL is growing revenue faster at 10.4% — sustainability is the question.

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

Bottom Line

HSBC scores higher overall (73/100 vs 30/100), backed by strong 41.2% margins. 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.

BRC Group Holdings, Inc.

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.

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