WallStSmart

HSBC Holdings PLC ADR (HSBC)vsTransUnion (TRU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 1249% more annual revenue ($63.77B vs $4.73B). HSBC leads profitability with a 35.0% profit margin vs 14.9%. HSBC appears more attractively valued with a PEG of 0.90. TRU earns a higher WallStSmart Score of 72/100 (B).

HSBC

Buy

63

out of 100

Grade: C+

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

TRU

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 6.5Value: 5.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.52

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

TRU1 strengths · Avg: 10.0/10
EPS GrowthGrowth
172.0%10/10

Earnings expanding 172.0% 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

TRU2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.524/10

Distress zone — elevated risk

Debt/EquityHealth
1.203/10

Elevated debt levels

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 : TRU

The strongest argument for TRU centers on EPS Growth. Revenue growth of 13.7% demonstrates continued momentum. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bear Case : HSBC

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

Bear Case : TRU

The primary concerns for TRU are Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

TRU carries more volatility with a beta of 1.55 — expect wider price swings.

TRU is growing revenue faster at 13.7% — sustainability is the question.

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

Bottom Line

TRU scores higher overall (72/100 vs 63/100) and 13.7% 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.

TransUnion

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

TransUnion offers risk and information solutions. The company is headquartered in Chicago, Illinois.

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