HSBC Holdings PLC ADR (HSBC)vsWhite Mountains Insurance Group Ltd (WTM)
HSBC
HSBC Holdings PLC ADR
$90.80
+2.15%
FINANCIAL SERVICES · Cap: $311.14B
WTM
White Mountains Insurance Group Ltd
$2,065.14
+2.46%
FINANCIAL SERVICES · Cap: $5.01B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 2159% more annual revenue ($63.77B vs $2.82B). WTM leads profitability with a 37.0% profit margin vs 35.0%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 63/100 (C+).
HSBC
Buy63
out of 100
Grade: C+
WTM
Buy63
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 50.7%
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
Grey zone — moderate risk
Operating margin of 0.3%
Weak financial health signals
Revenue declined 10.8%
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 : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.0% and operating margin at 0.3%. PEG of 0.81 suggests the stock is reasonably priced for its growth.
Bear Case : HSBC
The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Operating Margin, Piotroski F-Score.
Key Dynamics to Monitor
HSBC profiles as a value stock while WTM is a declining play — different risk/reward profiles.
HSBC carries more volatility with a beta of 0.58 — expect wider price swings.
HSBC is growing revenue faster at 3.3% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (63/100 vs 63/100), backed by strong 35.0% margins. Both earn "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.
White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
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