HSBC Holdings PLC ADR (HSBC)vsNMI Holdings Inc (NMIH)
HSBC
HSBC Holdings PLC ADR
$90.80
+0.29%
FINANCIAL SERVICES · Cap: $311.14B
NMIH
NMI Holdings Inc
$36.55
+1.30%
FINANCIAL SERVICES · Cap: $2.81B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 8799% more annual revenue ($63.77B vs $716.67M). NMIH leads profitability with a 53.8% profit margin vs 35.0%. HSBC appears more attractively valued with a PEG of 0.90. NMIH earns a higher WallStSmart Score of 69/100 (B-).
HSBC
Buy63
out of 100
Grade: C+
NMIH
Strong Buy69
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%
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 72.0%
Conservative balance sheet, low leverage
Areas to Watch
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
Expensive relative to growth rate
0.0% earnings growth
Weak financial health signals
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 0.90 suggests the stock is reasonably priced for its growth.
Bull Case : NMIH
The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.8% and operating margin at 72.0%.
Bear Case : HSBC
The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
HSBC profiles as a value stock while NMIH is a mature play — different risk/reward profiles.
HSBC carries more volatility with a beta of 0.58 — expect wider price swings.
NMIH is growing revenue faster at 5.9% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NMIH scores higher overall (69/100 vs 63/100), backed by strong 53.8% 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.
NMI Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.
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