HSBC Holdings PLC ADR (HSBC)vsRegional Management Corp (RM)
HSBC
HSBC Holdings PLC ADR
$91.86
+2.89%
FINANCIAL SERVICES · Cap: $318.28B
RM
Regional Management Corp
$38.52
-2.03%
FINANCIAL SERVICES · Cap: $369.49M
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 10024% more annual revenue ($63.22B vs $624.52M). HSBC leads profitability with a 35.2% profit margin vs 7.1%. RM appears more attractively valued with a PEG of 0.90. RM earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
RM
Strong Buy77
out of 100
Grade: B+
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
Reasonable price relative to book value
Growing faster than its price suggests
Strong operational efficiency at 23.6%
Earnings expanding 32.5% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
7.1% margin — thin
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 : RM
The strongest argument for RM centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.
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 : RM
The primary concerns for RM are Market Cap, Profit Margin.
Key Dynamics to Monitor
HSBC profiles as a growth stock while RM is a value play — different risk/reward profiles.
RM carries more volatility with a beta of 1.01 — 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 77/100), backed by strong 35.2% margins and 58.4% 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.
Regional Management Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Regional Management Corp, a diversified consumer finance company, offers various installment loan products primarily to clients with limited access to consumer credit from banks, savings companies, credit card companies, and other lenders. The company is headquartered in Greer, South Carolina.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?