HSBC Holdings PLC ADR (HSBC)vsMastercard Inc (MA)
HSBC
HSBC Holdings PLC ADR
$103.20
-0.11%
FINANCIAL SERVICES · Cap: $364.98B
MA
Mastercard Inc
$563.17
-0.31%
FINANCIAL SERVICES · Cap: $500.29B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 82% more annual revenue ($63.77B vs $35.08B). MA leads profitability with a 46.3% profit margin vs 35.0%. HSBC appears more attractively valued with a PEG of 1.07. MA earns a higher WallStSmart Score of 70/100 (B).
HSBC
Buy61
out of 100
Grade: C+
MA
Strong Buy70
out of 100
Grade: B
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%
Attractively priced relative to earnings
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Areas to Watch
Trading at 8.1x book value
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 88.0x book value
Elevated debt levels
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 1.07 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
Bear Case : HSBC
The primary concerns for HSBC are Price/Book, Revenue Growth, EPS Growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
HSBC profiles as a value stock while MA is a mature play — different risk/reward profiles.
MA carries more volatility with a beta of 0.73 — expect wider price swings.
MA is growing revenue faster at 14.1% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MA scores higher overall (70/100 vs 61/100), backed by strong 46.3% margins and 14.1% 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.
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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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