HSBC Holdings plc. Common Stock (HSBC)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach banks differently from most businesses. HSBC has a durable franchise: it is a global diversified bank with deep roots in Hong Kong and the UK, serving retail, commercial, corporate, and wealth customers. That geographic mix can be a moat, but it also creates political and credit risk. In the latest filed quarter, 2026-Q2, revenue was $19.0B and net income was $7.9B, a 41.56% margin. That is a strong single quarter. FairStock’s calculations from the data show a 13.10% return on equity, which is respectable but not outstanding for a bank. The P/B of 7.53 as of the 2026-10-13 close looks very rich for a bank; I would want to understand why book value is so low relative to the price. The P/E of 13.55 and dividend yield of 3.95% are more reasonable, and the beta of 0.58 suggests the shares have been less volatile than the market. However, the Piotroski F-Score of 2/9 signals weak financial momentum on the provided data, and the PEG of 0.20 is only meaningful if the earnings growth is durable. The Lynch category is none because there are only 0 years of filed results, needing 3, so I lack a long earnings record. I do not have CET1, net interest margin, or combined ratio here, which are essential for assessing capital strength and credit risk. On balance, HSBC looks like a fair-to-expensive bank with a good current quarter but insufficient bank-specific safety data and a poor financial momentum score.

In plain English: HSBC is a large global bank that serves individuals and businesses, with major operations in Hong Kong and the UK. Its latest quarter showed a solid profit, and it pays a meaningful dividend, but the shares do not look like a clear bargain based on the numbers provided. I cannot fully judge the bank's safety because important banking details such as capital ratios and lending margins are not in the data.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer