WallStSmart

HSBC Holdings PLC ADR (HSBC)vsQCR Holdings Inc (QCRH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 17289% more annual revenue ($63.77B vs $366.75M). QCRH leads profitability with a 36.7% profit margin vs 35.0%. HSBC appears more attractively valued with a PEG of 0.90. QCRH earns a higher WallStSmart Score of 77/100 (B+).

HSBC

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.33

QCRH

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 6.3Quality: 6.5
Piotroski: 5/9Altman Z: 0.31

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

QCRH6 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.7%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
21.1%8/10

Revenue surging 21.1% year-over-year

EPS GrowthGrowth
30.9%8/10

Earnings expanding 30.9% YoY

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

QCRH3 concerns · Avg: 2.3/10
Market CapQuality
$1.59B3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-7.88M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

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 : QCRH

The strongest argument for QCRH centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 36.7% and operating margin at 43.7%. Revenue growth of 21.1% demonstrates continued momentum.

Bear Case : HSBC

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

Bear Case : QCRH

The primary concerns for QCRH are Market Cap, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

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

QCRH carries more volatility with a beta of 0.76 — expect wider price swings.

QCRH is growing revenue faster at 21.1% — sustainability is the question.

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

Bottom Line

QCRH scores higher overall (77/100 vs 63/100), backed by strong 36.7% margins and 21.1% 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.

QCR Holdings Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

QCR Holdings, Inc., a multi-bank holding company, provides consumer and commercial banking services, trust and asset management services. The company is headquartered in Moline, Illinois.

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