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HSBC Holdings (H1SB34) Fair Value & Analysis

Financial Services · BR · Market cap R$1.8T

HH HSBC Holdings H1SB34 · SA
PriceR$131.42
Fair ValueR$21.12
Upside-83.9%
Quality71/100
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Evidence: High Range R$15.84 – R$26.40 📤 Share as image

Fair value as of: Jul 19, 2026

From 18 valuation models · updated 5 days ago

Share price +5.1% over the past month.

Price vs Fair Value (12 months)

R$131.42 R$81.18 Fair Value R$21.12 Jul 2025 Jul 2026

12‑month range R$81.18 – R$131.42 · fair‑value band R$15.84 – R$26.40 · the R$131.42 price screens above the R$21.12 fair value. As of Jul 19, 2026.

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Analysis

HSBC Holdings (H1SB34) currently trades at R$131.42, while our model-based Fair Value estimate is R$21.12, implying the stock looks roughly 83.9% overvalued today. We read business quality at 71/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, HSBC Holdings generated revenue of R$63.8B at a net margin of 35.0%. Revenue grew 3.3% year over year. It earns a return on equity of 11.6%. Net debt stands at R$93.9B. Fundamentals as of Jul 19, 2026

Our scenario range runs from R$15.84 (bear case) to R$26.40 (bull case); at R$131.42, the current price sits above that range. The share trades near its 52-week high and 71% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 65% fair-value upside, at -84%, H1SB34 screens richer than that median.

Key figures & financial health

Revenue (TTM) R$63.8B
Revenue growth (YoY) +3.3%
Net margin 35.0%
Return on equity 11.6%
Free cash flow R$25.1B FY2025
P/E ratio 15.4
More key figures
Operating margin 50.7%
EPS (TTM) R$7.60
Dividend yield 0.6%
EPS growth (YoY) +2.6%
Net debt R$93.9B FY2019

Figures from reported company fundamentals (EODHD) · as of Jul 19, 2026. TTM = trailing twelve months.

About the company

HSBC Holdings plc engages in the provision of banking and financial products and services worldwide. It operates through four segments: Hong Kong, UK, Corporate and Institutional Banking, and International Wealth and Premier Banking. The Hong Kong segment is involved in the retail banking and wealth and commercial banking of HSBC Hong Kong and Hang Seng Bank. The UK segment engages in UK retail banking and wealth, as well as first direct and M&S Bank, UK Commercial Banking, and HSBC Innovation Bank. The Corporate and Institutional Banking segment is involved in transaction banking and capital markets. The International Wealth and Premier Banking segment is involved in the business comprising premier banking outside of Hong Kong and the UK, its private bank, asset management, and insurance businesses. The company was founded in 1865 and is headquartered in London, the United Kingdom.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

HSBC Holdings reported revenue of R$66.2B in FY2025 versus R$63.6B in FY2021, a compound +1.0%/yr. Reported net income was R$22.3B in FY2025, compounding +12.5%/yr from FY2021.

Revenue +1.0%/yr
FY21 R$63.6B
FY22 R$67.0B
FY23 R$64.4B
FY24 R$67.4B
FY25 R$66.2B
Net income +12.5%/yr
FY21 R$13.9B
FY22 R$15.6B
FY23 R$23.5B
FY24 R$24.0B
FY25 R$22.3B

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Cite: Fair Value Calculator (2026). "HSBC Holdings Fair Value". https://www.fairvalue-calculator.com/stock/H1SB34

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

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Agricultural Bank of China Limited 601288 ¥6.40 ¥12.80 +100%
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Bank of China Limited 601988 ¥6.05 ¥12.10 +100%
Wells Fargo & Company WFCO34 R$106.04 R$90.63 -15%
Mitsubishi UFJ Financial Group M1UF34 R$102.80 R$88.77 -14%
Citigroup Inc CTGP34 R$125.00 R$15.07 -88%

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Frequently asked questions

Is HSBC Holdings (H1SB34) undervalued?
As of Jul 19, 2026, our model estimates a fair value of R$21.12 versus a price of R$131.42, about −84% (overvalued). Model-based estimate, not financial advice.
What is the fair value of H1SB34?
Our model-based fair value for HSBC Holdings is R$21.12 (as of Jul 19, 2026), built from audited fundamentals. The current price is R$131.42.
What is the quality score of H1SB34?
HSBC Holdings has a Quality Score of 71/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of HSBC Holdings (H1SB34)?
HSBC Holdings reported trailing-twelve-month revenue of about R$63.8B (latest available figure, as of Jul 19, 2026).
What is the net profit margin of H1SB34?
The net profit margin of HSBC Holdings is about 35.0%, meaning it keeps roughly 35.0% of revenue as net income. Based on the latest reported figures.
Does HSBC Holdings pay a dividend?
HSBC Holdings currently shows a dividend yield of about 0.63% relative to its recent price (as of Jul 19, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.