WallStSmart

HSBC Holdings PLC ADR (HSBC)vsWhite Mountains Insurance Group Ltd (WTM)

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Smart Verdict

WallStSmart Research — data-driven comparison

HSBC Holdings PLC ADR generates 2164% more annual revenue ($67.44B vs $2.98B). HSBC leads profitability with a 41.2% profit margin vs 37.7%. HSBC appears more attractively valued with a PEG of 0.80. WTM earns a higher WallStSmart Score of 92/100 (A+).

HSBC

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.31

WTM

Exceptional Buy

92

out of 100

Grade: A+

Growth: 9.3Profit: 8.5Value: 7.7Quality: 6.3
Piotroski: 3/9Altman Z: 1.83

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HSBC6 strengths · Avg: 9.7/10
Market CapQuality
$294.15B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
41.2%10/10

Keeps 41 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

EPS GrowthGrowth
56.2%10/10

Earnings expanding 56.2% YoY

PEG RatioValuation
0.808/10

Growing faster than its price suggests

WTM6 strengths · Avg: 9.8/10
P/E RatioValuation
5.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Profit MarginProfitability
37.7%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
36.4%10/10

Strong operational efficiency at 36.4%

EPS GrowthGrowth
68.8%10/10

Earnings expanding 68.8% YoY

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

Areas to Watch

HSBC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.312/10

Distress zone — elevated risk

WTM3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-25.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : WTM

The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.7% and operating margin at 36.4%. Revenue growth of 22.5% demonstrates continued momentum.

Bear Case : HSBC

The primary concerns for HSBC are Altman Z-Score.

Bear Case : WTM

The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

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

HSBC carries more volatility with a beta of 0.58 — expect wider price swings.

WTM is growing revenue faster at 22.5% — sustainability is the question.

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

Bottom Line

WTM scores higher overall (92/100 vs 73/100), backed by strong 37.7% margins and 22.5% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

White Mountains Insurance Group Ltd

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.

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