Overview Dividends

(HSBC) HSBC Holdings - Ratings and Ratios

Exchange: NYSE • Country: United Kingdom • Currency: USD • Type: Common Stock • ISIN: US4042804066

Retail, Cards, Lending, Payment, Investment

HSBC EPS (Earnings per Share)

EPS Growth (3Y CAGR): -64.80%
EPS Trend (3Y Correlation): -34.8%

HSBC Revenue

Revenue Growth (3Y CAGR): 1.27%
Revenue Trend (3Y Correlation): 15.5%

Description: HSBC HSBC Holdings

HSBC Holdings plc (NYSE:HSBC) is a globally diversified bank that delivers banking and financial services through three core segments: Wealth & Personal Banking, Commercial Banking, and Global Banking & Markets.

The Wealth & Personal Banking segment targets retail and high-net-worth clients with products such as current and savings accounts, mortgages, personal loans, credit/debit cards, payments, insurance, and investment management services.

The Commercial Banking segment serves SMEs, mid-market firms, and large corporates, offering credit, treasury and cash-management solutions, trade finance, foreign-exchange, capital-raising on debt and equity markets, and advisory services.

The Global Banking & Markets segment provides financing, advisory, and transaction services to governments, corporates, institutional investors, and private investors, covering credit, rates, FX, equities, money markets, securities, and investment banking activities.

Key recent metrics: HSBC reported a 2023 net profit of $13.5 billion, a CET1 capital ratio of 15.9 % (well above the Basel III minimum), and a 2022-23 revenue composition of roughly 45 % from Asia-Pacific, underscoring the bank’s reliance on the region’s faster-growing economies.

Sector drivers that materially affect HSBC include the global interest-rate environment (higher rates boost net interest margins but can pressure loan demand), regulatory capital requirements, and the pace of digital transformation in banking, where HSBC has invested over $5 billion in fintech and online platforms since 2020.

For a deeper quantitative assessment, you might explore ValueRay’s platform for granular financial metrics and scenario analysis.

HSBC Stock Overview

Market Cap in USD	246,638m
Sub-Industry	Diversified Banks
IPO / Inception	1999-07-16

HSBC Stock Ratings

Growth Rating	98.2%
Fundamental	57.6%
Dividend Rating	73.6%
Return 12m vs S&P 500	38.3%
Analyst Rating	4.50 of 5

HSBC Dividends

Dividend Yield 12m	4.99%
Yield on Cost 5y	21.78%
Annual Growth 5y	40.49%
Payout Consistency	88.9%
Payout Ratio	95.9%

HSBC Growth Ratios

Growth Correlation 3m	84.2%
Growth Correlation 12m	97.4%
Growth Correlation 5y	96.1%
CAGR 5y	44.78%
CAGR/Max DD 3y (Calmar Ratio)	2.05
CAGR/Mean DD 3y (Pain Ratio)	13.98
Sharpe Ratio 12m	3.77
Alpha	48.52
Beta	0.503
Volatility	30.30%
Current Volume	1588.4k
Average Volume 20d	1318.7k
Stop Loss	64.1 (-3%)
Signal	-0.02

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (18.82b TTM) > 0 and > 6% of Revenue (6% = 7.16b TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1317 % (prev -704.0%; Δ -613.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 65.31b > Net Income 18.82b (YES >=105%, WARN >=100%)

Net Debt (486.32b) to EBITDA (27.45b) ratio: 17.72 <= 3.0 (WARN <= 3.5)

Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (3.54b) change vs 12m ago -5.55% (target <= -2.0% for YES)

Gross Margin 55.14% (prev 72.86%; Δ -17.72pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 3.86% (prev 6.99%; Δ -3.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.26 (EBITDA TTM 27.45b / Interest Expense TTM 69.62b) >= 6 (WARN >= 3)

Altman Z'' -2.96

(A) -0.49 = (Total Current Assets 246.36b - Total Current Liabilities 1818.71b) / Total Assets 3214.37b

(B) 0.05 = Retained Earnings (Balance) 149.74b / Total Assets 3214.37b

(D) 0.05 = Book Value of Equity 156.92b / Total Liabilities 3035.22b

Total Rating: -2.96 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 57.61

1. Piotroski 3.0pt = -2.0

2. FCF Yield 12.62% = 5.0

3. FCF Margin 51.45% = 7.50

4. Debt/Equity 2.83 = -0.51

5. Debt/Ebitda 17.72 = -2.50

6. ROIC - WACC (= -0.12)% = -0.15

7. RoE 10.17% = 0.85

8. Rev. Trend 15.53% = 1.16

9. EPS Trend -34.77% = -1.74

What is the price of HSBC shares?

As of October 17, 2025, the stock is trading at USD 66.10 with a total of 1,588,400 shares traded.
Over the past week, the price has changed by -1.83%, over one month by -4.13%, over three months by +6.50% and over the past year by +58.80%.

Is HSBC Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, HSBC Holdings is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 57.61 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HSBC is around 94.08 USD . This means that HSBC is currently undervalued and has a potential upside of +42.33% (Margin of Safety).

Is HSBC a buy, sell or hold?

HSBC Holdings has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy HSBC.

Strong Buy: 1
Buy: 1
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the HSBC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	67	1.4%
Analysts Target Price	67	1.4%
ValueRay Target Price	101	52.8%

Last update: 2025-10-11 05:02

HSBC Fundamental Data Overview

Market Cap USD = 246.64b (246.64b USD * 1.0 USD.USD)
P/E Trailing = 13.3327
P/E Forward = 9.8328
P/S = 4.3879
P/B = 1.2686
P/EG = 2.5888
Beta = 0.503
Revenue TTM = 119.37b USD
EBIT TTM = 18.32b USD
EBITDA TTM = 27.45b USD
Long Term Debt = 248.20b USD (estimated: total debt 486.32b - short term 238.12b)
Short Term Debt = 238.12b USD (from shortTermDebt, last quarter)
Debt = 486.32b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 486.32b USD (from netDebt column, last quarter)
Enterprise Value = 486.60b USD (246.64b + Debt 486.32b - CCE 246.36b)
Interest Coverage Ratio = 0.26 (Ebit TTM 18.32b / Interest Expense TTM 69.62b)
FCF Yield = 12.62% (FCF TTM 61.42b / Enterprise Value 486.60b)
FCF Margin = 51.45% (FCF TTM 61.42b / Revenue TTM 119.37b)
Net Margin = 15.77% (Net Income TTM 18.82b / Revenue TTM 119.37b)
Gross Margin = 55.14% ((Revenue TTM 119.37b - Cost of Revenue TTM 53.55b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 52.41%)
Tobins Q-Ratio = 0.15 (Enterprise Value 486.60b / Total Assets 3214.37b)
Interest Expense / Debt = 3.31% (Interest Expense 16.08b / Debt 486.32b)
Taxrate = 23.27% (1.47b / 6.33b)
NOPAT = 14.05b (EBIT 18.32b * (1 - 23.27%))
Current Ratio = 0.14 (Total Current Assets 246.36b / Total Current Liabilities 1818.71b)
Debt / Equity = 2.83 (Debt 486.32b / totalStockholderEquity, last quarter 171.84b)
Debt / EBITDA = 17.72 (Net Debt 486.32b / EBITDA 27.45b)
Debt / FCF = 7.92 (Net Debt 486.32b / FCF TTM 61.42b)
Total Stockholder Equity = 185.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 18.82b / Total Assets 3214.37b)
RoE = 10.17% (Net Income TTM 18.82b / Total Stockholder Equity 185.09b)
RoCE = 4.23% (EBIT 18.32b / Capital Employed (Equity 185.09b + L.T.Debt 248.20b))
RoIC = 4.21% (NOPAT 14.05b / Invested Capital 333.54b)
WACC = 4.33% (E(246.64b)/V(732.96b) * Re(7.87%) + D(486.32b)/V(732.96b) * Rd(3.31%) * (1-Tc(0.23)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -4.21%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈51.02b ; Y1≈62.94b ; Y5≈107.38b
Fair Price DCF = 529.7 (DCF Value 1826.38b / Shares Outstanding 3.45b; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -34.77 | EPS CAGR: -64.80% | SUE: -1.72 | # QB: 0
Revenue Correlation: 15.53 | Revenue CAGR: 1.27% | SUE: -0.08 | # QB: 0

Additional Sources for HSBC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle