HSBC Holdings PLC ADR (HSBC)vs360 Finance Inc (QFIN)
HSBC
HSBC Holdings PLC ADR
$90.80
+2.15%
FINANCIAL SERVICES · Cap: $311.14B
QFIN
360 Finance Inc
$14.53
-4.97%
FINANCIAL SERVICES · Cap: $1.96B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 246% more annual revenue ($63.77B vs $18.42B). HSBC leads profitability with a 35.0% profit margin vs 27.5%. QFIN trades at a lower P/E of 2.8x. HSBC earns a higher WallStSmart Score of 63/100 (C+).
HSBC
Buy63
out of 100
Grade: C+
QFIN
Buy62
out of 100
Grade: C+
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
Conservative balance sheet, low leverage
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 16.7%
Earnings declined 43.3%
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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 27.5% and operating margin at 27.5%.
Bear Case : HSBC
The primary concerns for HSBC are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
HSBC profiles as a value stock while QFIN is a declining play — different risk/reward profiles.
HSBC carries more volatility with a beta of 0.58 — 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 62/100), backed by strong 35.0% margins. Both earn "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.
360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
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