HSBC Holdings PLC ADR (HSBC)vsSAP SE ADR (SAP)
HSBC
HSBC Holdings PLC ADR
$81.21
+2.45%
FINANCIAL SERVICES · Cap: $264.52B
SAP
SAP SE ADR
$168.95
-1.20%
TECHNOLOGY · Cap: $217.55B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 72% more annual revenue ($63.22B vs $36.80B). HSBC leads profitability with a 35.2% profit margin vs 19.5%. SAP appears more attractively valued with a PEG of 0.79. HSBC earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
SAP
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$280.80
Current Price
$81.21
$199.59 discount
Margin of Safety
-88.8%
Fair Value
$104.04
Current Price
$168.95
$64.91 premium
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 55.2%
Revenue surging 58.4% year-over-year
Attractively priced relative to earnings
Earnings expanding 24.0% YoY
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Strong operational efficiency at 29.2%
Generating 1.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
3.3% revenue growth
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 35.2% and operating margin at 55.2%. Revenue growth of 58.4% demonstrates continued momentum.
Bull Case : SAP
The strongest argument for SAP centers on Market Cap, Altman Z-Score, Debt/Equity. Profitability is solid with margins at 19.5% and operating margin at 29.2%. PEG of 0.79 suggests the stock is reasonably priced for its growth.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.
Bear Case : SAP
The primary concerns for SAP are P/E Ratio, Revenue Growth.
Key Dynamics to Monitor
HSBC profiles as a growth stock while SAP is a value play — different risk/reward profiles.
SAP carries more volatility with a beta of 0.69 — expect wider price swings.
HSBC is growing revenue faster at 58.4% — sustainability is the question.
HSBC generates stronger free cash flow (9.4B), providing more financial flexibility.
Bottom Line
HSBC scores higher overall (77/100 vs 58/100), backed by strong 35.2% margins and 58.4% 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.
SAP SE ADR
TECHNOLOGY · SOFTWARE - APPLICATION · USA
SAP SE is a global enterprise application software company. The company is headquartered in Walldorf, Germany.
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