HSBC Holdings PLC ADR (HSBC)vsUnum Group (UNM)
HSBC
HSBC Holdings PLC ADR
$90.80
+2.15%
FINANCIAL SERVICES · Cap: $311.14B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 378% more annual revenue ($63.77B vs $13.34B). HSBC leads profitability with a 35.0% profit margin vs 5.9%. HSBC appears more attractively valued with a PEG of 0.90. UNM earns a higher WallStSmart Score of 67/100 (B-).
HSBC
Buy63
out of 100
Grade: C+
UNM
Strong Buy67
out of 100
Grade: B-
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
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
3.3% revenue growth
2.6% earnings growth
Distress zone — elevated risk
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
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 : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 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 : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
HSBC carries more volatility with a beta of 0.58 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (67/100 vs 63/100). 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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