(HSBC) HSBC Holdings - Overview
Stock: Banking, Loans, Cards, Insurance, Investments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.46% |
| Yield on Cost 5y | 16.22% |
| Yield CAGR 5y | 31.61% |
| Payout Consistency | 89.3% |
| Payout Ratio | 106.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 24.0% |
| Relative Tail Risk | -1.52% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.23 |
| Alpha | 67.30 |
| Character TTM | |
|---|---|
| Beta | 0.791 |
| Beta Downside | 0.915 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.83% |
| CAGR/Max DD | 2.01 |
Description: HSBC HSBC Holdings January 28, 2026
HSBC Holdings plc (NYSE: HSBC) is a global diversified bank that structures its operations into three core segments: Wealth & Personal Banking, Commercial Banking, and Global Banking & Markets. The Wealth & Personal Banking arm delivers retail and high-net-worth services-including deposits, mortgages, credit cards, and wealth-management solutions-while the Commercial Banking division focuses on credit, treasury, trade finance, and advisory services for SMEs to large corporates. Global Banking & Markets provides financing, advisory, and a full suite of market-risk products (FX, rates, equities, and securities) to governments, institutions, and private investors.
According to HSBC’s most recent Q3 2025 earnings release (published Oct 2025), the bank reported a net profit of **$6.2 billion**, an **8 % year-over-year increase**, driven largely by higher net interest income as global rates stayed elevated. The **CET1 capital ratio** improved to **15.5 %**, comfortably above the regulatory minimum, while the **cost-to-income ratio** slipped to **58 %**, indicating modest efficiency gains. Asset growth continued, with total assets now around **$3.0 trillion**, reflecting strong balance-sheet expansion in Asia-Pacific, which contributed roughly **30 %** of net profit despite a modest slowdown in the UK market. Key macro drivers include the persistence of a high-interest-rate environment in the US and UK, and the ongoing shift toward digital banking in emerging markets, which together shape HSBC’s earnings outlook.
For a deeper quantitative assessment of HSBC’s valuation metrics, you might explore the latest ValueRay dashboard.
Piotroski VR‑10 (Strict, 0-10) 5.0
| 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: -1225 % < 20% (prev -747.2%; Δ -477.9% < -1%) |
| CFO/TA 0.02 > 3% & CFO 65.31b > Net Income 17.69b |
| Net Debt (-148.58b) to EBITDA (28.56b): -5.20 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.46b) vs 12m ago -4.70% < -2% |
| Gross Margin: 51.64% > 18% (prev 0.72%; Δ 5092 % > 0.5%) |
| Asset Turnover: 4.28% > 50% (prev 6.80%; Δ -2.51% > 0%) |
| Interest Coverage Ratio: 0.35 > 6 (EBITDA TTM 28.56b / Interest Expense TTM 65.59b) |
Altman Z'' -3.11
| A: -0.51 (Total Current Assets 246.82b - Total Current Liabilities 1908.56b) / Total Assets 3234.22b |
| B: 0.05 (Retained Earnings 152.40b / Total Assets 3234.22b) |
| C: 0.01 (EBIT TTM 23.11b / Avg Total Assets 3166.42b) |
| D: 0.06 (Book Value of Equity 170.16b / Total Liabilities 3035.53b) |
| Altman-Z'' Score: -3.11 = D |
What is the price of HSBC shares?
Over the past week, the price has changed by +1.45%, over one month by +8.78%, over three months by +24.86% and over the past year by +77.88%.
Is HSBC a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HSBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 85.4 | -4.3% |
| Analysts Target Price | 85.4 | -4.3% |
| ValueRay Target Price | 137.2 | 53.7% |
HSBC Fundamental Data Overview February 07, 2026
P/E Forward = 11.7647
P/S = 5.1442
P/B = 1.6035
P/EG = 2.7359
Revenue TTM = 135.64b USD
EBIT TTM = 23.11b USD
EBITDA TTM = 28.56b USD
Long Term Debt = unknown (none)
Short Term Debt = 329.60b USD (from shortTermDebt, last fiscal year)
Debt = 98.24b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -148.58b USD (from netDebt column, last quarter)
Enterprise Value = 149.66b USD (298.24b + Debt 98.24b - CCE 246.82b)
Interest Coverage Ratio = 0.35 (Ebit TTM 23.11b / Interest Expense TTM 65.59b)
EV/FCF = 2.44x (Enterprise Value 149.66b / FCF TTM 61.42b)
FCF Yield = 41.04% (FCF TTM 61.42b / Enterprise Value 149.66b)
FCF Margin = 45.28% (FCF TTM 61.42b / Revenue TTM 135.64b)
Net Margin = 13.04% (Net Income TTM 17.69b / Revenue TTM 135.64b)
Gross Margin = 51.64% ((Revenue TTM 135.64b - Cost of Revenue TTM 65.59b) / Revenue TTM)
Gross Margin QoQ = 53.46% (prev 52.34%)
Tobins Q-Ratio = 0.05 (Enterprise Value 149.66b / Total Assets 3234.22b)
Interest Expense / Debt = 15.86% (Interest Expense 15.58b / Debt 98.24b)
Taxrate = 24.56% (1.79b / 7.29b)
NOPAT = 17.43b (EBIT 23.11b * (1 - 24.56%))
Current Ratio = 0.13 (Total Current Assets 246.82b / Total Current Liabilities 1908.56b)
Debt / Equity = 0.51 (Debt 98.24b / totalStockholderEquity, last quarter 191.43b)
Debt / EBITDA = -5.20 (Net Debt -148.58b / EBITDA 28.56b)
Debt / FCF = -2.42 (Net Debt -148.58b / FCF TTM 61.42b)
Total Stockholder Equity = 184.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 17.69b / Total Assets 3234.22b)
RoE = 9.58% (Net Income TTM 17.69b / Total Stockholder Equity 184.76b)
RoCE = 1.74% (EBIT 23.11b / Capital Employed (Total Assets 3234.22b - Current Liab 1908.56b))
RoIC = 5.25% (NOPAT 17.43b / Invested Capital 331.91b)
WACC = 9.61% (E(298.24b)/V(396.48b) * Re(8.83%) + D(98.24b)/V(396.48b) * Rd(15.86%) * (1-Tc(0.25)))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.24%
[DCF Debug] Terminal Value 76.22% ; FCFF base≈51.02b ; Y1≈62.93b ; Y5≈107.18b
Fair Price DCF = 440.5 (EV 1363.73b - Net Debt -148.58b = Equity 1512.31b / Shares 3.43b; r=9.61% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 5.31 | EPS CAGR: 20.31% | SUE: -0.21 | # QB: 0
Revenue Correlation: 61.42 | Revenue CAGR: 32.86% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.15 | Chg30d=+0.060 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=8.45 | Chg30d=+0.164 | Revisions Net=+1 | Growth EPS=+8.3% | Growth Revenue=+2.0%