` Comparison: LYG, HSBA - Alpha Spread

LYG
vs
HSBA

Over the past 12 months, LYG has outperformed HSBA, delivering a return of +50% compared to the HSBA's +50% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
LYG
HSBA
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

LYG Intrinsic Value
5.67 USD
Undervaluation 24%
Intrinsic Value
Price
HSBA Intrinsic Value
1 146.68 GBX
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Lloyds Banking Group PLC
NYSE:LYG
4.33 USD
HSBC Holdings PLC
LSE:HSBA
935.5 GBX
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
LYG, HSBA

LYG
HSBA
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Lloyds Banking Group PLC
Revenue
HSBC Holdings PLC
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
LYG, HSBA

LYG
HSBA
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Lloyds Banking Group PLC
NYSE:LYG
FCF is not applicable for financial companies
HSBC Holdings PLC
LSE:HSBA
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

LYG
HSBA
LTM 3Y Avg 5Y Avg 10Y Avg
Lloyds Banking Group PLC
Not applicable for financial companies
HSBC Holdings PLC
Not applicable for financial companies

Operating Margin

LYG
HSBA
LTM 3Y Avg 5Y Avg 10Y Avg
Lloyds Banking Group PLC
Not applicable for financial companies
HSBC Holdings PLC
Not applicable for financial companies

Net Margin

LYG
15.3%
HSBA
21.3%

FCF Margin

LYG
HSBA
LTM 3Y Avg 5Y Avg 10Y Avg
Lloyds Banking Group PLC
Not applicable for financial companies
HSBC Holdings PLC
Not applicable for financial companies

ROE

LYG
11.3%
HSBA
9.5%

ROA

LYG
0.6%
HSBA
0.6%

ROIC

LYG
HSBA
LTM 3Y Avg 5Y Avg 10Y Avg
Lloyds Banking Group PLC
Not applicable for financial companies
HSBC Holdings PLC
Not applicable for financial companies

ROCE

LYG
HSBA
LTM 3Y Avg 5Y Avg 10Y Avg
Lloyds Banking Group PLC
Not applicable for financial companies
HSBC Holdings PLC
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
LYG, HSBA

Loading

Performance Gap
LYG, HSBA

Loading
LYG
HSBA
Difference
www.alphaspread.com

Performance By Year
LYG, HSBA

Loading
LYG
HSBA
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare LYG to other stocks
Unlock Full Access to Alpha Spread
Create Free Account