HSBC Holdings PLC ADR (HSBC)vsUpstart Holdings Inc (UPST)
HSBC
HSBC Holdings PLC ADR
$90.80
+0.27%
FINANCIAL SERVICES · Cap: $311.14B
UPST
Upstart Holdings Inc
$29.74
-7.84%
FINANCIAL SERVICES · Cap: $2.92B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 5334% more annual revenue ($63.77B vs $1.17B). HSBC leads profitability with a 35.0% profit margin vs 4.2%. HSBC trades at a lower P/E of 15.0x. HSBC earns a higher WallStSmart Score of 63/100 (C+).
HSBC
Buy63
out of 100
Grade: C+
UPST
Hold50
out of 100
Grade: D+
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 50.7%
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 44.6% year-over-year
Earnings expanding 209.1% YoY
Areas to Watch
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
ROE of 6.7% — below average capital efficiency
4.2% margin — thin
Operating margin of 0.9%
Premium valuation, high expectations priced in
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 35.0% and operating margin at 50.7%. PEG of 0.90 suggests the stock is reasonably priced for its growth.
Bull Case : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 44.6% demonstrates continued momentum.
Bear Case : HSBC
The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, Operating Margin. A P/E of 74.4x leaves little room for execution misses. Debt-to-equity of 2.70 is elevated, increasing financial risk.
Key Dynamics to Monitor
HSBC profiles as a value stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.28 — expect wider price swings.
UPST is growing revenue faster at 44.6% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (63/100 vs 50/100), backed by strong 35.0% margins. Both earn "Buy" and "Hold" 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.
Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
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