HSBC Holdings PLC ADR (HSBC)vsVoya Financial Inc (VOYA)
HSBC
HSBC Holdings PLC ADR
$86.61
+0.27%
FINANCIAL SERVICES · Cap: $294.15B
VOYA
Voya Financial Inc
$96.56
-0.29%
FINANCIAL SERVICES · Cap: $8.52B
Smart Verdict
WallStSmart Research — data-driven comparison
HSBC Holdings PLC ADR generates 726% more annual revenue ($67.44B vs $8.17B). HSBC leads profitability with a 41.2% profit margin vs 7.5%. HSBC appears more attractively valued with a PEG of 0.80. HSBC earns a higher WallStSmart Score of 73/100 (B).
HSBC
Strong Buy73
out of 100
Grade: B
VOYA
Hold50
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 56.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : HSBC
The primary concerns for HSBC are Altman Z-Score.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HSBC profiles as a mature stock while VOYA is a value play — different risk/reward profiles.
VOYA carries more volatility with a beta of 0.89 — expect wider price swings.
HSBC is growing revenue faster at 6.0% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HSBC scores higher overall (73/100 vs 50/100), backed by strong 41.2% margins. Both earn "Strong Buy" and "Hold" 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.
Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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