HSBC Holdings PLC ADR (HSBC)vsSumitomo Mitsui Financial Group Inc (SMFG)
HSBC
HSBC Holdings PLC ADR
$76.95
-3.16%
FINANCIAL SERVICES · Cap: $274.80B
SMFG
Sumitomo Mitsui Financial Group Inc
$19.08
-2.35%
FINANCIAL SERVICES · Cap: $121.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 5764% more annual revenue ($3.71T vs $63.22B). HSBC leads profitability with a 35.2% profit margin vs 20.7%. SMFG appears more attractively valued with a PEG of 0.81. HSBC earns a higher WallStSmart Score of 77/100 (B+).
HSBC
Strong Buy77
out of 100
Grade: B+
SMFG
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.7%
Fair Value
$280.80
Current Price
$76.95
$203.85 discount
Margin of Safety
+42.3%
Fair Value
$41.10
Current Price
$19.08
$22.02 discount
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
Earnings expanding 2398.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Distress zone — elevated risk
ROE of 4.9% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
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 : SMFG
The strongest argument for SMFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 20.7% and operating margin at 39.3%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Bear Case : SMFG
The primary concerns for SMFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.89 is elevated, increasing financial risk.
Key Dynamics to Monitor
HSBC carries more volatility with a beta of 0.47 — expect wider price swings.
HSBC is growing revenue faster at 58.4% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (77/100 vs 76/100), backed by strong 35.2% margins and 58.4% revenue growth. SMFG offers better value entry with a 42.3% margin of safety. 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.
Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
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