HSBC Holdings PLC ADR (HSBC)vsWestern Union Co (WU)
HSBC
HSBC Holdings PLC ADR
$84.52
-1.65%
FINANCIAL SERVICES · Cap: $294.15B
WU
Western Union Co
$6.25
-0.64%
FINANCIAL SERVICES · Cap: $1.90B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 1571% more annual revenue ($67.44B vs $4.04B). HSBC leads profitability with a 41.2% profit margin vs 9.8%. HSBC appears more attractively valued with a PEG of 0.80. HSBC earns a higher WallStSmart Score of 73/100 (B).
HSBC
Strong Buy73
out of 100
Grade: B
WU
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 56.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 48 in profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Revenue declined 1.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : HSBC
The strongest argument for HSBC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 41.2% and operating margin at 50.4%. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bull Case : WU
The strongest argument for WU centers on P/E Ratio, Return on Equity, Price/Book.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Bear Case : WU
The primary concerns for WU are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 2.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
HSBC profiles as a mature stock while WU is a value 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 6.0% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (73/100 vs 51/100), backed by strong 41.2% margins. 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.
Western Union Co
FINANCIAL SERVICES · CREDIT SERVICES · USA
The Western Union Company is an American worldwide financial services and communications company, headquartered in Denver, Colorado.
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