HSBC Holdings PLC ADR (HSBC)vsUpstart Holdings Inc (UPST)
HSBC
HSBC Holdings PLC ADR
$91.86
+2.89%
FINANCIAL SERVICES · Cap: $318.28B
UPST
Upstart Holdings Inc
$30.48
-7.24%
FINANCIAL SERVICES · Cap: $2.92B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 5778% more annual revenue ($63.22B vs $1.08B). HSBC leads profitability with a 35.2% profit margin vs 5.0%. HSBC trades at a lower P/E of 15.3x. HSBC earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
UPST
Buy51
out of 100
Grade: C-
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
Revenue surging 34.4% year-over-year
Earnings expanding 209.1% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
ROE of 7.5% — below average capital efficiency
5.0% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 34.4% 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 : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 67.7x leaves little room for execution misses. Thin 5.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
HSBC profiles as a growth stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.16 — 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 51/100), backed by strong 35.2% margins and 58.4% revenue growth. Both earn "Strong Buy" and "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.
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.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?