HSBC Holdings PLC ADR (HSBC)vsNMI Holdings Inc (NMIH)
HSBC
HSBC Holdings PLC ADR
$86.61
+0.27%
FINANCIAL SERVICES · Cap: $294.15B
NMIH
NMI Holdings Inc
$42.11
-1.10%
FINANCIAL SERVICES · Cap: $3.06B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 9128% more annual revenue ($67.44B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 41.2%. HSBC appears more attractively valued with a PEG of 0.80. HSBC earns a higher WallStSmart Score of 73/100 (B).
HSBC
Strong Buy73
out of 100
Grade: B
NMIH
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 56.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Conservative balance sheet, low leverage
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HSBC
The strongest argument for HSBC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 41.2% and operating margin at 50.4%. PEG of 0.80 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 54.1% and operating margin at 76.7%.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
HSBC carries more volatility with a beta of 0.58 — expect wider price swings.
NMIH is growing revenue faster at 8.1% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (73/100 vs 71/100), backed by strong 41.2% margins. 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.
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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