HSBC Holdings PLC ADR (HSBC)vsOportun Financial Corp (OPRT)

HSBC

HSBC Holdings PLC ADR

NYSE

$90.80

+0.29%

FINANCIAL SERVICES · Cap: $311.14B

OPRT

Oportun Financial Corp

NASDAQ

$4.82

+2.12%

FINANCIAL SERVICES · Cap: $225.03M

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Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 8667% more annual revenue ($63.77B vs $727.47M). HSBC leads profitability with a 35.0% profit margin vs 2.5%. OPRT trades at a lower P/E of 13.3x. HSBC earns a higher WallStSmart Score of 63/100 (C+).

HSBC

Buy

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 7.0Quality: 4.0

Piotroski: 4/9Altman Z: 0.33

OPRT

Hold

out of 100

Grade: D

Growth: 2.7Profit: 4.0Value: 6.0Quality: 5.5

Piotroski: 6/9Altman Z: 0.26

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC5 strengths · Avg: 9.2/10

Market CapQuality

$311.14B10/10

Mega-cap, among the largest globally

Profit MarginProfitability

35.0%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability

50.7%10/10

Strong operational efficiency at 50.7%

PEG RatioValuation

0.908/10

Growing faster than its price suggests

P/E RatioValuation

15.0x8/10

Attractively priced relative to earnings

OPRT2 strengths · Avg: 9.0/10

Price/BookValuation

0.6x10/10

Reasonable price relative to book value

P/E RatioValuation

13.3x8/10

Attractively priced relative to earnings

Areas to Watch

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

OPRT4 concerns · Avg: 3.3/10

Revenue GrowthGrowth

1.3%4/10

1.3% revenue growth

Market CapQuality

$225.03M3/10

Smaller company, higher risk/reward

Return on EquityProfitability

4.5%3/10

ROE of 4.5% — below average capital efficiency

Profit MarginProfitability

2.5%3/10

2.5% margin — thin

Comparative Analysis Report

WallStSmart Research

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 50.7%. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : OPRT

The strongest argument for OPRT centers on Price/Book, P/E Ratio.

Bear Case : HSBC

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

Bear Case : OPRT

The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

OPRT carries more volatility with a beta of 1.25 — expect wider price swings.

HSBC is growing revenue faster at 3.3% — sustainability is the question.

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

Bottom Line

HSBC scores higher overall (63/100 vs 41/100), backed by strong 35.0% margins. Both earn "Buy" and "Hold" 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.

Oportun Financial Corp

FINANCIAL SERVICES · CREDIT SERVICES · USA

Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.

Visit Website →

Compare with Other BANKS - DIVERSIFIED Stocks

HSBC vs JPM HSBC vs BAC HSBC vs RY HSBC vs WFC HSBC vs MUFG OPRT vs JPM OPRT vs BAC OPRT vs RY OPRT vs WFC OPRT vs MUFG

Want to dig deeper into these stocks?

Full HSBC Analysis →Full OPRT Analysis →