HSBC Holdings PLC ADR (HSBC)vsVoya Financial Inc (VOYA)
HSBC
HSBC Holdings PLC ADR
$103.97
-1.26%
FINANCIAL SERVICES · Cap: $366.94B
VOYA
Voya Financial Inc
$103.41
+0.72%
FINANCIAL SERVICES · Cap: $9.32B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 726% more annual revenue ($67.43B vs $8.17B). HSBC leads profitability with a 37.8% profit margin vs 7.5%. HSBC appears more attractively valued with a PEG of 0.94. HSBC earns a higher WallStSmart Score of 69/100 (B-).
HSBC
Strong Buy69
out of 100
Grade: B-
VOYA
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 58.8%
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 25.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 8.3x book value
2.6% earnings growth
Distress zone — elevated risk
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
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 37.8% and operating margin at 58.8%. Revenue growth of 25.4% demonstrates continued momentum.
Bull Case : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : HSBC
The primary concerns for HSBC are Price/Book, EPS Growth, Altman Z-Score.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HSBC profiles as a growth stock while VOYA is a value play — different risk/reward profiles.
VOYA carries more volatility with a beta of 0.89 — expect wider price swings.
HSBC is growing revenue faster at 25.4% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (69/100 vs 47/100), backed by strong 37.8% margins and 25.4% revenue growth. Both earn "Strong 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.
Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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