WallStSmart

HSBC Holdings PLC ADR (HSBC)vsToronto Dominion Bank (TD)

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Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 11% more annual revenue ($67.44B vs $60.82B). HSBC leads profitability with a 41.2% profit margin vs 26.6%. HSBC appears more attractively valued with a PEG of 0.80. TD earns a higher WallStSmart Score of 78/100 (B+).

HSBC

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

TD

Strong Buy

78

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 5/9Altman Z: -0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$294.15B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
41.2%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

EPS GrowthGrowth
56.2%10/10

Earnings expanding 56.2% YoY

PEG RatioValuation
0.808/10

Growing faster than its price suggests

TD5 strengths · Avg: 9.0/10
Market CapQuality
$203.31B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.0%10/10

Strong operational efficiency at 38.0%

Profit MarginProfitability
26.6%9/10

Keeps 27 of every $100 in revenue as profit

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

EPS GrowthGrowth
45.0%8/10

Earnings expanding 45.0% YoY

Areas to Watch

HSBC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

TD3 concerns · Avg: 1.7/10
Free Cash FlowQuality
$-6.59B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.642/10

Distress zone — elevated risk

Debt/EquityHealth
2.351/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HSBC

The strongest argument for HSBC centers on Market Cap, P/E Ratio, Profit Margin. Profitability is solid with margins at 41.2% and operating margin at 50.4%. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bull Case : TD

The strongest argument for TD centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 26.6% and operating margin at 38.0%. Revenue growth of 11.5% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Altman Z-Score.

Bear Case : TD

The primary concerns for TD are Free Cash Flow, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.35 is elevated, increasing financial risk.

Key Dynamics to Monitor

TD carries more volatility with a beta of 0.87 — expect wider price swings.

TD is growing revenue faster at 11.5% — sustainability is the question.

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

Bottom Line

TD scores higher overall (78/100 vs 73/100), backed by strong 26.6% margins and 11.5% revenue growth. 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.

Toronto Dominion Bank

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.

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