WallStSmart

Cigna Corp (CI)vsHSBC Holdings PLC ADR (HSBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cigna Corp generates 340% more annual revenue ($277.89B vs $63.22B). HSBC leads profitability with a 35.2% profit margin vs 2.3%. CI appears more attractively valued with a PEG of 0.82. HSBC earns a higher WallStSmart Score of 77/100 (B+).

CI

Strong Buy

68

out of 100

Grade: B-

Growth: 6.7Profit: 6.0Value: 9.3Quality: 4.8
Piotroski: 2/9

HSBC

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIUndervalued (+79.8%)

Margin of Safety

+79.8%

Fair Value

$1364.02

Current Price

$281.98

$1082.04 discount

UndervaluedFair: $1364.02Overvalued

Intrinsic value data unavailable for HSBC.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CI5 strengths · Avg: 8.6/10
P/E RatioValuation
12.0x10/10

Attractively priced relative to earnings

Market CapQuality
$74.83B9/10

Large-cap with strong market position

PEG RatioValuation
0.828/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$318.28B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.2%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
55.2%10/10

Strong operational efficiency at 55.2%

Revenue GrowthGrowth
58.4%10/10

Revenue surging 58.4% year-over-year

EPS GrowthGrowth
2398.0%10/10

Earnings expanding 2398.0% YoY

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Areas to Watch

CI3 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Profit MarginProfitability
2.3%3/10

2.3% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

HSBC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

Debt/EquityHealth
2.791/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CI

The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.82 suggests the stock is reasonably priced for its growth.

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 : CI

The primary concerns for CI are Revenue Growth, Profit Margin, Piotroski F-Score. Thin 2.3% margins leave little buffer for downturns.

Bear Case : HSBC

The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.

Key Dynamics to Monitor

CI profiles as a value stock while HSBC is a growth play — different risk/reward profiles.

HSBC carries more volatility with a beta of 0.56 — 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.

Bottom Line

HSBC scores higher overall (77/100 vs 68/100), backed by strong 35.2% margins and 58.4% revenue growth. CI offers better value entry with a 79.8% margin of safety. Both earn "Strong Buy" and "Strong 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.

Cigna Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance and related products and services, the majority of which are offered through employers and other groups (e.g. governmental and non-governmental organizations, unions and associations).

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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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