HSBC Holdings plc (HSBC) 10-Year Financial Performance & Capital Metrics

HSBC • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksEuropean Global Banking Leaders

AboutHSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking segment offers retail banking and wealth products, including current and savings accounts, mortgages and personal loans, credit and debit cards, and local and international payment services; and wealth management services comprising insurance and investment products, global asset management services, investment management, and private wealth solutions. This segment serves personal banking and high net worth individuals. The Commercial Banking segment provides credit and lending, treasury management, payment, cash management, commercial insurance, and investment services; commercial cards; international trade and receivables finance services; foreign exchange products; capital raising services on debt and equity markets; and advisory services. It serves small and medium sized enterprises, mid-market enterprises, and corporates. The Global Banking and Markets segment offers financing, advisory, and transaction services; and credit, rates, foreign exchange, equities, money markets, and securities services; and engages in principal investment activities. It serves government, corporate and institutional clients, and private investors. HSBC Holdings plc was founded in 1865 and is headquartered in London, the United Kingdom.Show more

Net Interest Income $32.73B -8.6%
Total Revenue $61.25B +8.7%
Net Income $23.98B +1.9%
Return on Equity 12.46%
Net Interest Margin 1.08% -7.9%
Efficiency Ratio 50.3% -16.9%
ROA 0.79% +1.0%
Equity / Assets 6.37% +0.5%
Book Value per Share 52.01 +5.8%
Tangible BV/Share 48.66 +5.9%
Debt/Equity 1.26 -43.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 26.6%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 50.3% efficiency ratio
✓Healthy dividend yield of 5.7%
✓Share count reduced 5.7% through buybacks
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of 1.1%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-3.84%

5Y-8.33%

3Y-6.08%

TTM-

Profit (Net Income) CAGR

10Y5.77%

5Y26.57%

3Y19.88%

TTM-18.21%

EPS CAGR

10Y6.04%

5Y32.82%

3Y25.99%

TTM-13.86%

ROCE

10Y Avg0.83%

5Y Avg1.05%

3Y Avg1.43%

Latest2.48%

Peer Comparison

European Global Banking Leaders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCSBarclays PLC	88.64B	25.63	18.31	119.69%	12.22%	9%	6.25%	2.56
SANBanco Santander, S.A.	178.31B	12.14	15.77	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	137.27B	24.22	14.42	16.23%	31.85%	17.26%		2.41
HSBCHSBC Holdings plc	279.15B	81.31	13.11	8.7%	39.15%	10.56%	22%	1.26

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	34.31B	29.81B	28.18B	30.49B	30.46B	27.58B	26.49B	30.38B	35.8B	32.73B
NII Growth %	-0.06%	-0.13%	-0.05%	0.08%	-0%	-0.09%	-0.04%	0.15%	0.18%	-0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	48.96B	42.41B	40.99B	49.61B	54.7B	41.76B	36.19B	52.83B	100.87B	108.63B
Interest Expense	14.66B	12.6B	12.82B	19.12B	24.23B	14.18B	9.7B	22.45B	65.07B	75.9B
Loan Loss Provision	0	0	0	0	0	0	0	0	0	0
Non-Interest Income+	38.21B	32.16B	35.5B	33.14B	39.94B	35.7B	37.76B	23.34B	-44.52B	-47.38B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	87.17B	74.58B	76.49B	82.75B	94.64B	77.46B	73.95B	76.17B	56.35B	61.25B
Revenue Growth %	-0.04%	-0.14%	0.03%	0.08%	0.14%	-0.18%	-0.05%	0.03%	-0.26%	0.09%
Non-Interest Expense	53.65B	54.86B	46.51B	43.74B	57.06B	54.5B	45.34B	36.66B	34.09B	30.81B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	18.87B	7.11B	17.17B	19.89B	13.35B	8.78B	18.91B	17.06B	26.11B	30.45B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.01%	-0.62%	1.41%	0.16%	-0.33%	-0.34%	1.15%	-0.1%	0.53%	0.17%
Pretax Income+	18.87B	7.11B	17.17B	19.89B	13.35B	8.78B	18.91B	17.06B	30.35B	32.31B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.77B	3.67B	5.29B	4.87B	4.64B	2.68B	4.21B	809M	5.79B	7.31B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	13.52B	2.48B	10.8B	13.73B	7.38B	5.23B	13.92B	15.56B	23.53B	23.98B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.01%	-0.82%	3.36%	0.27%	-0.46%	-0.29%	1.66%	0.12%	0.51%	0.02%
Net Income (Continuing)	15.1B	3.45B	11.88B	15.03B	8.71B	6.1B	14.69B	16.25B	24.56B	25B
EPS (Diluted)+	3.20	0.35	2.40	3.15	1.50	0.95	3.10	3.60	5.70	6.20
EPS Growth %	-0.07%	-0.89%	5.86%	0.31%	-0.52%	-0.37%	2.26%	0.16%	0.58%	0.09%
EPS (Basic)	3.25	0.35	2.40	3.15	1.50	0.95	3.10	3.60	5.75	6.25
Diluted Shares Outstanding	3.9B	3.97B	4.01B	4B	4.05B	4.05B	4.06B	4B	3.92B	3.7B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	104.7B	133.01B	187.25B	168.63B	173.88B	328.73B	422.44B	350.05B	299.57B	284.51B
Short Term Investments	1000K	1000K	1000K	-1000K	0	0	0	0	0	0
Total Investments+	1.01T	1.04T	983.28B	921.03B	1.01T	1.11T	983.51B	1.02T	1.1T	1.23T
Investments Growth %	-0.11%	0.02%	-0.05%	-0.06%	0.1%	0.1%	-0.12%	0.03%	0.08%	0.11%
Long-Term Investments	1.01T	1.04T	983.28B	952.76B	1.01T	1.11T	983.51B	1.02T	1.1T	1.23T
Accounts Receivables	0	0	1000K	1000K	1000K	1000K	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	16.29B	12.33B	13.59B	12.99B	5.59B	5.88B	5.03B	4.16B	4.32B	4.12B
Intangible Assets	8.3B	9.02B	9.87B	11.37B	14.57B	14.56B	15.59B	7.26B	8.16B	8.27B
PP&E (Net)	9.92B	9.37B	10.03B	10.06B	14.7B	14.41B	10.26B	12.58B	12.93B	11.61B
Other Assets	-1.05T	-1.07T	-1.02T	-955.44B	0	-4.48B	-1.64B	1.54B	2.7T	1.46T
Total Current Assets	133.12B	207.94B	267.57B	200.72B	193.14B	339B	422.44B	350.05B	319.76B	298.3B
Total Non-Current Assets	1.05T	1.07T	1.02T	955.44B	1.05T	1.15T	1.02T	1.05T	3.83T	2.72T
Total Assets+	2.41T	2.37T	2.52T	2.56T	2.72T	2.98T	2.96T	2.97T	3.04T	3.02T
Asset Growth %	-0.09%	-0.01%	0.06%	0.01%	0.06%	0.1%	-0.01%	0%	0.02%	-0.01%
Return on Assets (ROA)	0.01%	0%	0%	0.01%	0%	0%	0%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	111.65B	86.9B	84.37B	107.78B	129.16B	378.87B	395.44B	204.24B	426.69B	242.35B
Net Debt	6.95B	-46.11B	-102.88B	-60.85B	-29.9B	50.15B	-198.79B	-145.81B	-64.41B	-42.17B
Long-Term Debt	111.65B	86.9B	84.37B	107.78B	129.16B	171.14B	225.71B	204.24B	235.16B	242.35B
Short-Term Debt	0	0	0	0	0	264.65B	267.47B	0	310.13B	0
Other Liabilities	-111.65B	-86.9B	-84.37B	-107.78B	0	2.61T	2.53T	2.61T	0	763.72B
Total Current Liabilities	11.13B	10.77B	99.93B	11.3B	11.81B	10.41B	10.47B	12.35B	1.78T	1.82T
Total Non-Current Liabilities	2.21T	2.19T	2.32T	2.36T	2.52T	2.78T	2.76T	2.77T	235.16B	1.01T
Total Liabilities	2.21T	2.19T	2.32T	2.36T	2.52T	2.78T	2.75T	2.77T	2.85T	2.82T
Total Equity+	197.52B	182.58B	197.87B	194.25B	192.67B	205B	206.78B	185.2B	192.61B	192.27B
Equity Growth %	-0.01%	-0.08%	0.08%	-0.02%	-0.01%	0.06%	0.01%	-0.1%	0.04%	-0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.01%	0.06%	0.07%	0.04%	0.03%	0.07%	0.08%	0.12%	0.12%
Book Value per Share	50.60	46.00	49.29	48.60	47.61	50.64	50.93	46.33	49.14	52.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	9.84B	10.1B	10.16B	10.18B	10.32B	10.35B	10.32B	10.15B	9.63B	8.97B
Additional Paid-in Capital	12.42B	12.62B	10.18B	13.61B	13.96B	14.28B	14.6B	14.66B	14.74B	14.81B
Retained Earnings	143.98B	136.79B	140B	138.19B	136.68B	140.57B	144.46B	142.41B	152.15B	152.4B
Accumulated OCI	22.22B	15.88B	28.89B	24.27B	23B	31.25B	28.86B	10.61B	8.81B	8.79B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-1.12B	68.96B	-10.48B	6.47B	29.74B	182.22B	104.31B	26.43B	39.11B	65.31B
Operating CF Growth %	0.95%	62.46%	-1.15%	1.62%	3.6%	5.13%	-0.43%	-0.75%	0.48%	0.67%
Net Income	18.87B	7.11B	17.17B	19.89B	13.35B	8.78B	18.91B	17.53B	23.53B	32.31B
Depreciation & Amortization	2.18B	5.21B	1.86B	1.93B	10.52B	5.24B	4.29B	3.87B	3.47B	4.08B
Deferred Taxes	0	16.81B	-24.5B	6.02B	-4.16B	-21.62B	13.01B	0	0	0
Other Non-Cash Items	20.95B	-207M	-381M	-1.3B	-2.3B	-906M	510M	50.49B	-7.81B	18.67B
Working Capital Changes	-40.93B	39.5B	-5.13B	-20.52B	11.85B	190.29B	67.13B	-45.85B	19.44B	9.71B
Cash from Investing+	-38.91B	-15.06B	65.56B	-16.34B	-35.32B	-22.43B	27.54B	-34.48B	-62.91B	-76.56B
Purchase of Investments	-438.38B	-457.08B	-357.26B	-383.45B	-445.91B	-496.67B	-493.04B	-520.6B	-563.56B	-523.45B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	8M	4.8B	165M	4M	-83M	-603M	-106M	-989M	-453M	-2.73B
Other Investing	2.13B	9.19B	6.76B	-204M	1.12B	1.36B	3.06B	-3.53B	623M	0
Cash from Financing+	-3.58B	-8.92B	-10.45B	-16.78B	-14.84B	-4.64B	-10.79B	-6.29B	-17.56B	-26.46B
Dividends Paid	-7.5B	-9.16B	-9.01B	-10.76B	-9.77B	-2.02B	-6.38B	-6.97B	-12.2B	-17.1B
Share Repurchases	0	-2.51B	-3.07B	-2B	-1B	-181M	-2.09B	-2.38B	-6.43B	-11.89B
Stock Issued	4.06B	2.55B	5.2B	6.13B	141M	1.5B	2B	0	2B	3.6B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	0	-9.84B	102.46B	-6.46B	0	0	0	-197M	-19M	0
Net Change in Cash+	-57.44B	30.69B	62.86B	-36.33B	-19.17B	174.58B	105.71B	-52.36B	-30.74B	-55.99B
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K
Cash at Beginning	301.3B	243.86B	274.55B	337.41B	312.91B	293.74B	468.32B	574.03B	521.67B	490.93B
Cash at End	243.86B	274.55B	337.41B	301.08B	293.74B	468.32B	574.03B	521.67B	490.93B	434.94B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-3.43B	66.9B	-12.93B	3.42B	26.11B	178.71B	100.75B	22.02B	35.42B	61.42B
FCF Growth %	0.86%	20.52%	-1.19%	1.26%	6.62%	5.84%	-0.44%	-0.78%	0.61%	0.73%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.8%	1.3%	5.68%	7%	3.82%	2.63%	6.76%	7.94%	12.46%	12.46%
Return on Assets (ROA)	0.54%	0.1%	0.44%	0.54%	0.28%	0.18%	0.47%	0.53%	0.78%	0.79%
Net Interest Margin	1.42%	1.26%	1.12%	1.19%	1.12%	0.92%	0.9%	1.02%	1.18%	1.08%
Efficiency Ratio	61.54%	73.57%	60.8%	52.86%	60.29%	70.36%	61.32%	48.13%	60.5%	50.3%
Equity / Assets	8.2%	7.69%	7.85%	7.59%	7.1%	6.87%	6.99%	6.24%	6.34%	6.37%
Book Value / Share	50.6	46	49.29	48.6	47.61	50.64	50.93	46.33	49.14	52.01
NII Growth	-6.3%	-13.1%	-5.49%	8.21%	-0.09%	-9.47%	-3.95%	14.68%	17.84%	-8.56%
Dividend Payout	60.6%	369.38%	83.4%	78.4%	132.37%	38.69%	45.86%	44.8%	51.83%	71.31%

Revenue by Geography

	2017	2018	2019	2020	2021	2022	2024
HONG KONG	14.99B	17.16B	18.45B	15.78B	14.24B	15.89B	20.81B
HONG KONG Growth	-	14.47%	7.50%	-14.45%	-9.74%	11.58%	30.94%
UNITED STATES	4.57B	-	-	4.47B	3.79B	3.89B	4.23B
UNITED STATES Growth	-	-	-	-	-15.18%	2.58%	8.73%
FRANCE	2.2B	1.9B	1.94B	1.75B	2.18B	136M	3.8B
FRANCE Growth	-	-13.84%	2.32%	-9.73%	24.30%	-93.76%	2697.06%
Other Countries	18.62B	-	-	19.26B	18.42B	20.04B	-
Other Countries Growth	-	-	-	-	-4.32%	8.75%	-
BRAZIL	60M	-	-	-	-	-	-
BRAZIL Growth	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

HSBC Holdings plc (HSBC) has a price-to-earnings (P/E) ratio of 13.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

HSBC Holdings plc (HSBC) grew revenue by 8.7% over the past year. This is steady growth.

Yes, HSBC Holdings plc (HSBC) is profitable, generating $18.92B in net income for fiscal year 2024 (39.1% net margin).

Dividend & Returns

Yes, HSBC Holdings plc (HSBC) pays a dividend with a yield of 5.69%. This makes it attractive for income-focused investors.

HSBC Holdings plc (HSBC) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics

HSBC Holdings plc (HSBC) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.

HSBC Holdings plc (HSBC) has an efficiency ratio of 50.3%. This is excellent, indicating strong cost control.

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