(HBC1) HSBC Holdings - Overview
Stock: Banking, Lending, Investments, Insurance, Payments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.09% |
| Yield on Cost 5y | 19.61% |
| Yield CAGR 5y | 31.61% |
| Payout Consistency | 93.4% |
| Payout Ratio | 65.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 23.2% |
| Relative Tail Risk | -7.04% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.75 |
| Alpha | 45.00 |
| Character TTM | |
|---|---|
| Beta | 0.346 |
| Beta Downside | 0.691 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.10% |
| CAGR/Max DD | 1.47 |
Description: HBC1 HSBC Holdings January 26, 2026
HSBC Holdings plc (XETRA:HBC1) is a globally diversified bank that operates through three core segments: Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets. The Wealth and Personal Banking arm delivers retail and high-net-worth services such as current accounts, mortgages, credit cards, and investment products. Commercial Banking focuses on credit, treasury, payments, trade finance, and advisory services for SMEs to large corporates. Global Banking and Markets provides financing, advisory, and a full suite of trading and securities services to governments, institutions, and private investors.
Key recent metrics (FY 2024): net profit ≈ $45 billion, total revenue ≈ $62 billion, CET1 capital ratio 15.2 % (well above regulatory minima), and a cost-to-income ratio of 58 %, indicating modest efficiency gains. The loan portfolio stands at roughly $1.5 trillion, with deposits growing 4 % YoY, driven largely by strong Asian market exposure (≈ 45 % of revenue). Rising global interest rates have lifted net interest margins to about 1.8 % year-over-year, while tighter credit conditions in Europe are pressuring loan growth.
For a data-driven deep-dive into HSBC’s valuation and risk profile, consider reviewing its detailed metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 17.69b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.76 > 1.0 |
| NWC/Revenue: -1443 % < 20% (prev -2390 %; Δ 946.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 65.31b > Net Income 17.69b |
| Net Debt (-113.65b) to EBITDA (41.73b): -2.72 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.30b) vs 12m ago -4.70% < -2% |
| Gross Margin: 40.42% > 18% (prev 0.34%; Δ 4008 % > 0.5%) |
| Asset Turnover: 3.48% > 50% (prev 2.13%; Δ 1.35% > 0%) |
| Interest Coverage Ratio: 0.07 > 6 (EBITDA TTM 41.73b / Interest Expense TTM 65.59b) |
Altman Z'' -3.00
| A: -0.49 (Total Current Assets 284.51b - Total Current Liabilities 1873.09b) / Total Assets 3234.22b |
| B: 0.05 (Retained Earnings 152.40b / Total Assets 3234.22b) |
| C: 0.00 (EBIT TTM 4.37b / Avg Total Assets 3166.42b) |
| D: 0.06 (Book Value of Equity 170.16b / Total Liabilities 3035.53b) |
| Altman-Z'' Score: -3.00 = D |
What is the price of HBC1 shares?
Over the past week, the price has changed by +4.07%, over one month by +9.45%, over three months by +22.53% and over the past year by +54.36%.
Is HBC1 a buy, sell or hold?
What are the forecasts/targets for the HBC1 price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 18.7 | 26.5% |
HBC1 Fundamental Data Overview January 27, 2026
Market Cap USD = 289.76b (244.44b EUR * 1.1854 EUR.USD)
P/E Trailing = 17.5802
P/E Forward = 11.1607
P/S = 4.2163
P/B = 1.5009
P/EG = 2.5949
Revenue TTM = 110.08b USD
EBIT TTM = 4.37b USD
EBITDA TTM = 41.73b USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 173.43b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -113.65b USD (from netDebt column, last fiscal year)
Enterprise Value = 216.37b USD (289.76b + Debt 173.43b - CCE 246.82b)
Interest Coverage Ratio = 0.07 (Ebit TTM 4.37b / Interest Expense TTM 65.59b)
EV/FCF = 3.52x (Enterprise Value 216.37b / FCF TTM 61.42b)
FCF Yield = 28.39% (FCF TTM 61.42b / Enterprise Value 216.37b)
FCF Margin = 55.79% (FCF TTM 61.42b / Revenue TTM 110.08b)
Net Margin = 16.07% (Net Income TTM 17.69b / Revenue TTM 110.08b)
Gross Margin = 40.42% ((Revenue TTM 110.08b - Cost of Revenue TTM 65.59b) / Revenue TTM)
Gross Margin QoQ = 53.46% (prev 52.34%)
Tobins Q-Ratio = 0.07 (Enterprise Value 216.37b / Total Assets 3234.22b)
Interest Expense / Debt = 8.99% (Interest Expense 15.58b / Debt 173.43b)
Taxrate = 24.56% (1.79b / 7.29b)
NOPAT = 3.30b (EBIT 4.37b * (1 - 24.56%))
Current Ratio = 0.15 (Total Current Assets 284.51b / Total Current Liabilities 1873.09b)
Debt / Equity = 0.91 (Debt 173.43b / totalStockholderEquity, last quarter 191.43b)
Debt / EBITDA = -2.72 (Net Debt -113.65b / EBITDA 41.73b)
Debt / FCF = -1.85 (Net Debt -113.65b / FCF TTM 61.42b)
Total Stockholder Equity = 189.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 17.69b / Total Assets 3234.22b)
RoE = 9.31% (Net Income TTM 17.69b / Total Stockholder Equity 189.94b)
RoCE = 0.32% (EBIT 4.37b / Capital Employed (Total Assets 3234.22b - Current Liab 1873.09b))
RoIC = 0.99% (NOPAT 3.30b / Invested Capital 331.91b)
WACC = 7.04% (E(289.76b)/V(463.19b) * Re(7.19%) + D(173.43b)/V(463.19b) * Rd(8.99%) * (1-Tc(0.25)))
Discount Rate = 7.19% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -4.90%
[DCF Debug] Terminal Value 84.47% ; FCFF base≈51.02b ; Y1≈62.93b ; Y5≈107.18b
Fair Price DCF = 137.5 (EV 2247.14b - Net Debt -113.65b = Equity 2360.79b / Shares 17.17b; r=7.04% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 20.44 | EPS CAGR: 35.58% | SUE: N/A | # QB: 0
Revenue Correlation: 45.57 | Revenue CAGR: 22.62% | SUE: N/A | # QB: 0