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Upturn AI Summary - About
HSBC Holdings PLC ADR(HSBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HSBC
10/22/2026: HSBC (5-star) is currently NOT-A-BUY. Pass it for now.
HSBC Holdings PLC ADR is a major international financial institution known for its extensive global network and connectivity between trade corridors. The company has a strong, diversified business model and is currently executing a strategy to focus on high-growth wealth management and core Asian markets. While it has established competitive advantages in cross-border banking, it faces risks related to operational complexity, geopolitical sensitivity, and regulatory scrutiny. HSBC is often considered by value and dividend-focused investors due to its consistent capital return policies. Future performance will largely depend on the bank's ability to maintain cost discipline while navigating shifting global interest rate cycles.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | HSBC is a mature, global financial institution focused more on steady returns and dividends than high-growth scaling. |
| Momentum investor | Mixed fit | The stock's performance is often tethered to broader macroeconomic trends and interest rate cycles rather than rapid growth momentum. |
| Value investor | Strong fit | The company often trades at valuations that may appeal to value investors looking for established bank stocks. |
| Dividend investor | Strong fit | HSBC is recognized for its commitment to returning capital to shareholders through regular dividend payments. |
| Low-risk investor | Mixed fit | While established, the stock is subject to global geopolitical and interest rate risks that increase volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Global economic cycles and geopolitical news can lead to fluctuations in the stock price. |
| Valuation risk | Medium | Changes in interest rate forecasts and economic outlooks can rapidly shift market valuation multiples for banks. |
| Competition risk (Banking competition) | High | Intense pressure from global money-center banks and digital fintech players affects margins. |
| Business quality | Strong | The bank possesses a deep-rooted, multi-generational franchise with significant global infrastructure. |
| Dividend income | High | The dividend is a primary component of shareholder returns, but is susceptible to earnings variability. |
| Execution risk | Medium | Success depends on the ability to streamline operations and execute on a pivot toward high-growth wealth management markets. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 81.53% | Avg. Invested days 83 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/22/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 321.14B USD | Price to earnings Ratio 13.41 | 1Y Target Price 106.08 |
Price to earnings Ratio 13.41 | 1Y Target Price 106.08 | ||
Volume (30-day avg) 1.8M shares | Beta 0.58 | 52 Weeks Range 63.53 - 107.43 | Updated Date 10/22/2026 |
52 Weeks Range 63.53 - 107.43 | Updated Date 10/22/2026 | ||
Dividends yield (FY) 0.81% | Basic EPS (TTM) 7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wealth and Personal Banking | Retail banking, mortgages, and wealth management services. | This is the consumer-facing part of the bank where they earn from interest margins and investment fees. |
| Commercial Banking | Trade finance and lending for business clients. | This segment powers corporate global trade and generates stable fee-based income. |
| Global Banking and Markets | Investment banking and trading services. | These high-complexity services earn revenue from capital markets activity and corporate advisory fees. |
| Geography (Asia) | Significant operations in Hong Kong and China. | Asia is a core engine for growth, though it introduces specific regional economic and political risks. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 2.13 | Actual - |
Profitability
Profit Margin 37.8% | Operating Margin (TTM) 58.77% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 13.1% |
Valuation
Trailing PE 13.41 | Forward PE 10.7 | Enterprise Value 907.68B | Price to Sales(TTM) 4.76 |
Enterprise Value 907.68B | Price to Sales(TTM) 4.76 | ||
Enterprise Value to Revenue 2 | Enterprise Value to EBITDA - | Shares Outstanding 3.42B | Shares Floating 13.59B |
Shares Outstanding 3.42B | Shares Floating 13.59B | ||
Percent Insiders - | Percent Institutions 2.49 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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