HSBC
HSBC Holdings plc
There isn't enough reported data to score HSBC yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
HSBC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
HSBC's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like HSBC.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
HSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $8.88 | -90% |
| Fair | 11x | $13.20 | -85% |
| Current | 15x | $89.08 | — |
| Expensive | 16x | $19.46 | -78% |
Historical ranges are pointers, not guarantees.
HSBC's PE is 15x, but its earnings don't support one, so it isn't a reliable read right now.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over HSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
HSBC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HSBC, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over HSBC on the outlook, with more favorable profitability expectations.
HSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | $1.20 | -3.2% |
| Q2 2025 | $1.01 | -13% |
| Q4 2024 | $1.24 | +8.8% |
| Q2 2024 | $1.16 | -2.5% |
| Q4 2023 | $1.14 | +54% |
| Q2 2023 | $1.19 | +78% |
| Q4 2022 | $0.74 | +19% |
| Q2 2022 | $0.67 | +49% |
HSBC has the edge over SOFI in the latest year-over-year earnings comparison.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
HSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $34.2B | +20% |
| Q2 2025 | $34.1B | -8.5% |
| Q4 2024 | $28.6B | -2.1% |
| Q2 2024 | $37.3B | +1.1% |
| Q4 2023 | $29.2B | +10% |
| Q2 2023 | $36.9B | +46% |
| Q4 2022 | $26.5B | +10% |
| Q2 2022 | $25.2B | -1.2% |
HSBC's revenue is recovering but still below its 2017 peak: $34.2B last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | 38% | +1.7 points |
| Q2 2025 | 44% | -10 points |
| Q4 2024 | 33% | +6.4 points |
| Q2 2024 | 53% | +23 points |
| Q4 2023 | 36% | +8 points |
| Q2 2023 | 54% | +19 points |
| Q4 2022 | 27% | +11 points |
| Q2 2022 | 31% | +18 points |
HSBC's operating margin was 38% last quarter, up 1.7 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over HSBC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
HSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $15.6B | -59% |
| Q2 2025 | $12.7B | -52% |
| Q4 2024 | $37.7B | +362% |
| Q2 2024 | $26.2B | -12% |
| Q4 2023 | $8.2B | +$29.5B |
| Q2 2023 | $29.8B | -36% |
| Q4 2022 | -$21.4B | -149% |
| Q2 2022 | $46.5B | -22% |
HSBC's free cash flow was $92.3B over the past year, up 46% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HSBC.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
HSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -225M shares |
| 1 year | -10% | -2.1B shares |
| 3 years | -13% | -2.7B shares |
| 5 years | +370% | +13.8B shares |
HSBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $3.7B |
| Q2 2025 | $5.4B |
| Q4 2024 | $6B |
| Q2 2024 | $5.3B |
| Q2 2023 | $1.3B |
| Q2 2022 | $1.8B |
| Q4 2020 | — |
| Q2 2020 | — |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
HSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2024 | -10.1x | Net Cash |
| Q4 2023 | -11.6x | Net Cash |
| Q2 2023 | -13.7x | Net Cash |
| Q4 2022 | -22.6x | Net Cash |
| Q2 2022 | -24.1x | Net Cash |
| Q4 2021 | -24.3x | Net Cash |
| Q2 2021 | -26.4x | Net Cash |
| Q4 2020 | -28.3x | Net Cash |
HSBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HSBC.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
HSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.4 | Neutral |
| Stochastic | 11.4 | Oversold |
HSBC's weekly RSI is 42 (neutral) and its Stochastic is 11 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
HSBC PE vs Financial Services Sector
| Metric | HSBC | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 74 | 63 | 11 pts above |
HSBC has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
HSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.1 | 3.3% below |
| 20 week MA | $98.6 | 9.7% below |
| 50 week MA | $91.0 | 2.1% below |
| 100 week MA | $75.6 | 18% above |
| 200 week MA | $58.0 | 54% above |
HSBC has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
HSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $39.0 | $26.1 | -33% |
| 2021 | $26.1 | $29.9 | +15% |
| 2022 | $29.9 | $30.9 | +3.6% |
| 2023 | $30.9 | $40.5 | +31% |
| 2024 | $40.5 | $49.3 | +22% |
| 2025 | $49.3 | $80.0 | +62% |
| 2026 YTD | $80.0 | $89.1 | +11% |
HSBC has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.