Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsHSBC Holdings PLC ADR (HSBC)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$20.54
-1.91%
FINANCIAL SERVICES · Cap: $118.57B
HSBC
HSBC Holdings PLC ADR
$76.95
-3.16%
FINANCIAL SERVICES · Cap: $274.80B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 100% more annual revenue ($63.22B vs $31.65B). HSBC leads profitability with a 35.2% profit margin vs 33.2%. HSBC appears more attractively valued with a PEG of 1.08. HSBC earns a higher WallStSmart Score of 77/100 (B+).
BBVA
Buy65
out of 100
Grade: C+
HSBC
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.4%
Fair Value
$31.03
Current Price
$20.54
$10.49 discount
Margin of Safety
+68.7%
Fair Value
$280.80
Current Price
$76.95
$203.85 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Revenue surging 30.0% year-over-year
Large-cap with strong market position
Reasonable price relative to book value
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
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.2% and operating margin at 50.9%. Revenue growth of 30.0% demonstrates continued momentum.
Bull 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.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Key Dynamics to Monitor
BBVA carries more volatility with a beta of 0.92 — 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.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (77/100 vs 65/100), backed by strong 35.2% margins and 58.4% revenue growth. BBVA offers better value entry with a 22.4% margin of safety. 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.
Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
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.
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