WallStSmart

HSBC Holdings PLC ADR (HSBC)vsWashington Federal Inc (WAFDP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 8321% more annual revenue ($63.22B vs $750.81M). HSBC leads profitability with a 35.2% profit margin vs 33.6%. WAFDP trades at a lower P/E of 6.0x. HSBC earns a higher WallStSmart Score of 77/100 (B+).

HSBC

Strong Buy

77

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 6.3Quality: 4.5
Piotroski: 4/9Altman Z: 0.33

WAFDP

Hold

47

out of 100

Grade: D+

Growth: 8.0Profit: 7.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.61

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$318.28B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
35.2%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
55.2%10/10

Strong operational efficiency at 55.2%

Revenue GrowthGrowth
58.4%10/10

Revenue surging 58.4% year-over-year

EPS GrowthGrowth
2398.0%10/10

Earnings expanding 2398.0% YoY

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

WAFDP5 strengths · Avg: 9.6/10
P/E RatioValuation
6.0x10/10

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

HSBC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.332/10

Distress zone — elevated risk

Debt/EquityHealth
2.791/10

Elevated debt levels

WAFDP1 concerns · Avg: 2.0/10
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 35.2% and operating margin at 55.2%. Revenue growth of 58.4% demonstrates continued momentum.

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 Altman Z-Score, Debt/Equity. Debt-to-equity of 2.79 is elevated, increasing financial risk.

Bear Case : WAFDP

The primary concerns for WAFDP are Altman Z-Score.

Key Dynamics to Monitor

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

WAFDP carries more volatility with a beta of 0.82 — expect wider price swings.

HSBC is growing revenue faster at 58.4% — sustainability is the question.

HSBC generates stronger free cash flow (9.4B), providing more financial flexibility.

Bottom Line

HSBC scores higher overall (77/100 vs 47/100), backed by strong 35.2% margins and 58.4% revenue growth. 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.

Washington Federal Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Washington Federal Inc. (WAFDP), based in Seattle, Washington, is a leading financial institution providing a broad range of services that includes retail and commercial banking, mortgage banking, and wealth management. Renowned for its customer-centric approach, the bank effectively caters to individuals, businesses, and communities across the Western United States. With a firm emphasis on technological advancements and deep local market insights, Washington Federal has built a robust financial profile characterized by resilience in varying economic landscapes. Its strategic focus on prudent risk management and active community engagement underscores its role as a trusted partner in fostering economic development and stability.

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