WallStSmart

HSBC Holdings PLC ADR (HSBC)vsWaFd, Inc. (WAFDP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 8394% more annual revenue ($63.77B vs $750.81M). HSBC leads profitability with a 35.0% profit margin vs 33.6%. WAFDP trades at a lower P/E of 5.9x. HSBC earns a higher WallStSmart Score of 63/100 (C+).

HSBC

Buy

63

out of 100

Grade: C+

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

WAFDP

Hold

47

out of 100

Grade: D+

Growth: 8.0Profit: 7.5Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: -0.61

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

WAFDP5 strengths · Avg: 9.6/10
P/E RatioValuation
5.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.6%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.8%10/10

Strong operational efficiency at 45.8%

EPS GrowthGrowth
26.4%8/10

Earnings expanding 26.4% 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

WAFDP2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.043/10

Elevated debt levels

Altman Z-ScoreHealth
-0.612/10

Distress zone — elevated risk

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 : WAFDP

The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 45.8%.

Bear Case : HSBC

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

Bear Case : WAFDP

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

Key Dynamics to Monitor

HSBC profiles as a value stock while WAFDP is a mature play — different risk/reward profiles.

WAFDP carries more volatility with a beta of 0.84 — expect wider price swings.

WAFDP is growing revenue faster at 9.2% — sustainability is the question.

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

Bottom Line

HSBC scores higher overall (63/100 vs 47/100), backed by strong 35.0% margins. Both earn "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.

WaFd, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, is a prominent financial institution offering an extensive range of services, including retail and commercial banking, mortgage banking, and wealth management. Known for its customer-centric model, WaFd effectively serves individuals, businesses, and communities across the Western United States, leveraging advanced technology and deep market insights. The company's strong financial profile is marked by resilience in fluctuating economic conditions, supported by a commitment to prudent risk management and active community involvement, positioning WaFd as a dependable partner in promoting sustainable economic growth.

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