(HBC1) HSBC Holdings - Ratings and Ratios
Banking, Loans, Cards, Insurance, Investment
HBC1 EPS (Earnings per Share)
HBC1 Revenue
Description: HBC1 HSBC Holdings
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 banking services (current/savings accounts, mortgages, personal loans, cards, payments) and wealth management solutions (insurance, investment products, asset management) to individuals and high-net-worth clients.
The Commercial Banking segment provides credit, treasury, cash-management, trade finance, foreign-exchange, and capital-raising services to SMEs, mid-market firms, and large corporates, complemented by commercial cards and advisory capabilities.
Global Banking and Markets focuses on financing, advisory, and transaction services, as well as trading and investment products across credit, rates, FX, equities, money markets, and securities for governments, corporates, institutional investors, and private clients.
Key recent metrics (FY 2023): net profit of US$ 30 bn, a CET1 capital ratio of 15.9 % (well above the 10.5 % regulatory minimum), and a cost-to-income ratio of 61 %, indicating solid profitability and capital strength. The bank’s earnings are highly sensitive to interest-rate cycles; the current upward trend in global rates is boosting net interest income, while higher rates also pressure loan-loss provisions in emerging-market exposures.
Sector drivers include the ongoing shift toward digital banking (HSBC invested € 2 bn in technology in 2023 to enhance its online platforms) and the macro-economic environment in Asia-Pacific, where the bank derives roughly 40 % of pre-tax profit, making regional growth and regulatory changes critical to its outlook.
For a deeper, data-driven assessment of HSBC’s valuation and risk profile, you may find it useful to explore the analytical tools available on ValueRay.
HBC1 Stock Overview
| Market Cap in USD | 232,856m |
| Sub-Industry | Diversified Banks |
| IPO / Inception |
HBC1 Stock Ratings
| Growth Rating | 95.7% |
| Fundamental | 62.1% |
| Dividend Rating | 77.7% |
| Return 12m vs S&P 500 | 29.1% |
| Analyst Rating | - |
HBC1 Dividends
| Dividend Yield 12m | 5.71% |
| Yield on Cost 5y | 25.55% |
| Annual Growth 5y | 35.46% |
| Payout Consistency | 94.2% |
| Payout Ratio | 62.4% |
HBC1 Growth Ratios
| Growth Correlation 3m | 88% |
| Growth Correlation 12m | 88.8% |
| Growth Correlation 5y | 97.9% |
| CAGR 5y | 37.38% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.43 |
| CAGR/Mean DD 3y (Pain Ratio) | 9.70 |
| Sharpe Ratio 12m | 3.17 |
| Alpha | 38.02 |
| Beta | 0.503 |
| Volatility | 23.01% |
| Current Volume | 697k |
| Average Volume 20d | 327.3k |
| Stop Loss | 11.1 (-3.1%) |
| Signal | 0.06 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (18.92b TTM) > 0 and > 6% of Revenue (6% = 5.56b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1757 % (prev -2254 %; Δ 497.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 65.31b > Net Income 18.92b (YES >=105%, WARN >=100%) |
| Net Debt (-116.66b) to EBITDA (41.95b) ratio: -2.78 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (17.77b) change vs 12m ago -5.05% (target <= -2.0% for YES) |
| Gross Margin 24.82% (prev 63.51%; Δ -38.69pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.99% (prev 2.18%; Δ 0.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.21 (EBITDA TTM 41.95b / Interest Expense TTM 69.62b) >= 6 (WARN >= 3) |
Altman Z'' -3.07
| (A) -0.51 = (Total Current Assets 246.36b - Total Current Liabilities 1873.09b) / Total Assets 3214.37b |
| (B) 0.05 = Retained Earnings (Balance) 149.74b / Total Assets 3214.37b |
| (C) 0.00 = EBIT TTM 14.62b / Avg Total Assets 3094.69b |
| (D) 0.06 = Book Value of Equity 177.64b / Total Liabilities 3014.50b |
| Total Rating: -3.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.11
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 52.86% = 5.0 |
| 3. FCF Margin 66.32% = 7.50 |
| 4. Debt/Equity 0.67 = 2.28 |
| 5. Debt/Ebitda -2.78 = 2.50 |
| 6. ROIC - WACC (= -5.09)% = -6.37 |
| 7. RoE 9.95% = 0.83 |
| 8. Rev. Trend 31.00% = 2.33 |
| 9. EPS Trend 0.88% = 0.04 |
What is the price of HBC1 shares?
Over the past week, the price has changed by -6.07%, over one month by -2.72%, over three months by +8.14% and over the past year by +48.30%.
Is HSBC Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HBC1 is around 13.04 EUR . This means that HBC1 is currently undervalued and has a potential upside of +13.79% (Margin of Safety).
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 | 14.5 | 26.9% |
HBC1 Fundamental Data Overview
Market Cap USD = 232.86b (200.69b EUR * 1.1603 EUR.USD)
P/E Trailing = 13.3793
P/E Forward = 9.9502
P/S = 3.5704
P/B = 1.283
P/EG = 2.6184
Beta = 0.503
Revenue TTM = 92.61b USD
EBIT TTM = 14.62b USD
EBITDA TTM = 41.95b USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 129.70b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -116.66b USD (from netDebt column, last quarter)
Enterprise Value = 116.19b USD (232.86b + Debt 129.70b - CCE 246.36b)
Interest Coverage Ratio = 0.21 (Ebit TTM 14.62b / Interest Expense TTM 69.62b)
FCF Yield = 52.86% (FCF TTM 61.42b / Enterprise Value 116.19b)
FCF Margin = 66.32% (FCF TTM 61.42b / Revenue TTM 92.61b)
Net Margin = 20.43% (Net Income TTM 18.92b / Revenue TTM 92.61b)
Gross Margin = 24.82% ((Revenue TTM 92.61b - Cost of Revenue TTM 69.62b) / Revenue TTM)
Gross Margin QoQ = 52.34% (prev 52.41%)
Tobins Q-Ratio = 0.04 (Enterprise Value 116.19b / Total Assets 3214.37b)
Interest Expense / Debt = 12.39% (Interest Expense 16.08b / Debt 129.70b)
Taxrate = 23.00% (1.46b / 6.33b)
NOPAT = 11.25b (EBIT 14.62b * (1 - 23.00%))
Current Ratio = 0.13 (Total Current Assets 246.36b / Total Current Liabilities 1873.09b)
Debt / Equity = 0.67 (Debt 129.70b / totalStockholderEquity, last quarter 192.55b)
Debt / EBITDA = -2.78 (Net Debt -116.66b / EBITDA 41.95b)
Debt / FCF = -1.90 (Net Debt -116.66b / FCF TTM 61.42b)
Total Stockholder Equity = 190.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 18.92b / Total Assets 3214.37b)
RoE = 9.95% (Net Income TTM 18.92b / Total Stockholder Equity 190.27b)
RoCE = 1.09% (EBIT 14.62b / Capital Employed (Total Assets 3214.37b - Current Liab 1873.09b))
RoIC = 3.37% (NOPAT 11.25b / Invested Capital 333.54b)
WACC = 8.47% (E(232.86b)/V(362.55b) * Re(7.87%) + D(129.70b)/V(362.55b) * Rd(12.39%) * (1-Tc(0.23)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -3.61%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈51.02b ; Y1≈62.94b ; Y5≈107.38b
Fair Price DCF = 105.9 (DCF Value 1826.38b / Shares Outstanding 17.24b; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 0.88 | EPS CAGR: 37.24% | SUE: N/A | # QB: 0
Revenue Correlation: 31.00 | Revenue CAGR: 37.98% | SUE: N/A | # QB: 0