# HSBC Holdings PLC (HSBC) — Stock CV

HSBC Holdings PLC is a $323B financial services company. Revenue grew 3.2% over the last year, and it keeps 33¢ of every dollar of sales as profit. It trades at 8.5× earnings.

> Established in 1865 in Hong Kong, London-based HSBC is one of the largest banks in the world, with assets of USD 3 trillion and over 40 million customers worldwide. It operates in over 50 countries with over 200,000 full-time staff.

## Identity

- **Ticker**: HSBC
- **Sector**: Financial Services
- **Employees**: 206 161
- **Website**: https://www.hsbc.com
- **Market cap**: $323B
- **Last price**: $94.30
- **Financial profile**: Mixed

## Vitals (FY2025)

- **Revenue**: $63.2B
- **Net income**: $21.1B
- **Free cash flow**: -$72.5B
- **Net debt**: $610B
- **P/E**: 8.5
- **Revenue growth (YoY)**: 3.2%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 35 |
| Growth | 52 |
| Profitability | 75 |
| Health | 40 |
| Quality | 25 |
| Moat | 30 |

## Qualifications (beginner checklist) — 8 of 10 passed

- [x] Revenue growing — +3.2% YoY
- [x] Profitable — $21.1B FY2025
- [x] Profit growing — +17.7% YoY
- [ ] Generates cash — -$72.5B FY2025
- [x] Established company — $323B market cap
- [x] Not printing shares — -13.0% shares over ~5y
- [x] Proven track record — 5/5 profitable years
- [ ] Financially stable — Altman Z 0.1 — distress
- [x] Pays a dividend — yield 4.47%
- [x] Valuation not extreme — P/E 8.5

## Experience (career milestones)

- **FY2024** — Best year on record: $22.9B net income
- **FY2023** — Revenue crossed $50B: $56.3B for the year
- **FY2021** — Profitable every year on record: 5 consecutive profitable years in our data
- **FY2021** — Revenue already above $10B: $49.9B in first reported year

## Strengths

- Strongly profitable — 33.4% net margin

## Watch-outs

- Negative free cash flow (-$72.5B)
- Altman Z-Score 0.09 — elevated financial-distress risk

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $49.9B | $12.6B | $109B |
| FY2022 | $46.4B | $14.3B | -$7.05B |
| FY2023 | $56.3B | $22.4B | $19.7B |
| FY2024 | $61.2B | $22.9B | -$141B |
| FY2025 | $63.2B | $21.1B | -$72.5B |

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Source: https://stockcv.com/HSBC — derived from company filings; may be delayed or incomplete. Information, not investment advice.