WallStSmart

The Bank of New York Mellon Cor (BNY)vsHSBC Holdings PLC ADR (HSBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 207% more annual revenue ($63.77B vs $20.75B). HSBC leads profitability with a 35.0% profit margin vs 28.7%. HSBC appears more attractively valued with a PEG of 0.95. BNY earns a higher WallStSmart Score of 74/100 (B).

BNY

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 7.3Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.04

HSBC

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.33

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BNY6 strengths · Avg: 8.7/10
Operating MarginProfitability
37.7%10/10

Strong operational efficiency at 37.7%

Market CapQuality
$96.72B9/10

Large-cap with strong market position

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.8%8/10

Earnings expanding 41.8% YoY

HSBC5 strengths · Avg: 9.2/10
Market CapQuality
$324.72B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.0%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
54.9%10/10

Strong operational efficiency at 54.9%

PEG RatioValuation
0.958/10

Growing faster than its price suggests

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Areas to Watch

BNY4 concerns · Avg: 2.8/10
PEG RatioValuation
1.544/10

Expensive relative to growth rate

Debt/EquityHealth
1.193/10

Elevated debt levels

Free Cash FlowQuality
$-3.63B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.042/10

Distress zone — elevated risk

HSBC3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BNY

The strongest argument for BNY centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 28.7% and operating margin at 37.7%. Revenue growth of 13.4% 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 35.0% and operating margin at 54.9%. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bear Case : BNY

The primary concerns for BNY are PEG Ratio, Debt/Equity, Free Cash Flow.

Bear Case : HSBC

The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BNY profiles as a mature stock while HSBC is a value play — different risk/reward profiles.

BNY carries more volatility with a beta of 1.07 — expect wider price swings.

BNY is growing revenue faster at 13.4% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BNY scores higher overall (74/100 vs 63/100), backed by strong 28.7% margins and 13.4% 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.

The Bank of New York Mellon Cor

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

BlackRock New York Municipal Income Trust is a closed ended fixed income mutual fund launched by BlackRock, Inc

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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