HSBC vs. PNC: HSBC vs. PNC Financial Services Stock Comparison
This page compares HSBC (HSBC) with PNC Financial Services (PNC) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| 1-Year Return | 61.57% | 38.21% |
Risk
Drawdown
Risk at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| 1-Year Volatility | 27.14% | 21.70% |
| Beta | 0.59 | 0.91 |
| 3-Month Avg. Volume | 1.94M | 2.11M |
Company Profile
HSBC (HSBC) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
PNC Financial Services (PNC) trades as ordinary local shares, while HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | HSBC | PNC |
|---|---|---|
| Name | HSBC Holdings plc Sponsored ADR | The PNC Financial Services Group, Inc. |
| Country/Region | United Kingdom | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 317.82 billion USD | 95.44 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 16, 1999 | November 17, 1975 |
| Security Type | ADR | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
Both HSBC (HSBC) at 15.32 and PNC Financial Services (PNC) at 13.81 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
HSBC
Banks industry group
15.32
- Max
- 21.53
- Q3
- 15.41
- HSBC
- 15.32
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
PNC
Banks industry group
13.81
- Max
- 21.53
- Q3
- 15.41
- PNC
- 13.81
- Median
- 12.95
- Q1
- 11.19
- Min
- 6.13
Price-to-Sales Ratio (TTM)
P/S ratio is set aside for both HSBC (HSBC) in Banks and PNC Financial Services (PNC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
Price-to-Book Ratio (MRQ)
PNC Financial Services (PNC) at 1.50 sits near its industry’s typical P/B ratio, while HSBC (HSBC) at 7.29 prices above its benchmark range — HSBC looks rich relative to book.
HSBC
Banks industry group
7.29
- HSBC
- 7.29
- Max
- 2.22
- Q3
- 1.58
- Median
- 1.30
- Q1
- 1.13
- Min
- 0.64
PNC
Banks industry group
1.50
- Max
- 2.22
- Q3
- 1.58
- PNC
- 1.50
- Median
- 1.30
- Q1
- 1.13
- Min
- 0.64
Valuation at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 15.32 | 13.81 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 7.29 | 1.50 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
Both HSBC (HSBC) at 11.61% and PNC Financial Services (PNC) at 12.10% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
HSBC
Banks industry group
11.61%
- Max
- 19.15%
- Q3
- 13.07%
- HSBC
- 11.61%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
PNC
Banks industry group
12.10%
- Max
- 19.15%
- Q3
- 13.07%
- PNC
- 12.10%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Profit Margin (TTM)
HSBC (HSBC) at 34.98% retains a top-quartile share of revenue as profit, ahead of PNC Financial Services (PNC) at 31.31%, which keeps about the industry-typical share.
HSBC
Banks industry group
34.98%
- Max
- 47.55%
- HSBC
- 34.98%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
PNC
Banks industry group
31.31%
- Max
- 47.55%
- Q3
- 34.61%
- PNC
- 31.31%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Operating Profit Margin (TTM)
Neither side reports a meaningful operating margin: for HSBC (HSBC) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| Return on Equity (TTM) | 11.61% | 12.10% |
| Return on Assets (TTM) | 0.72% | 1.26% |
| Net Profit Margin (TTM) | 34.98% | 31.31% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| 1-Year Revenue Growth | -1.74% | 10.90% |
| 3-Year Revenue CAGR | 7.22% | 3.01% |
EPS Growth
EPS Growth at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| 1-Year EPS Growth | -3.23% | 20.74% |
| 3-Year EPS CAGR | 17.49% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: HSBC (HSBC) in Banks and PNC Financial Services (PNC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt-to-Equity Ratio (MRQ)
debt-to-equity ratio is set aside for both: HSBC (HSBC) in Banks and PNC Financial Services (PNC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
HSBC (HSBC) at 4.05% delivers top-quartile income for its industry, while PNC Financial Services (PNC) at 2.86% pays a more typical yield — both are credible income propositions, HSBC the richer one.
HSBC
Banks industry group
4.05%
- Max
- 5.44%
- HSBC
- 4.05%
- Q3
- 3.24%
- Median
- 2.58%
- Q1
- 1.71%
- Min
- 0.00%
PNC
Banks industry group
2.86%
- Max
- 5.44%
- Q3
- 3.24%
- PNC
- 2.86%
- Median
- 2.58%
- Q1
- 1.71%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
PNC Financial Services (PNC) at 38.93% pays out a band-typical share of earnings, while HSBC (HSBC) at 61.98% distributes more than its industry norm — less retained, thinner cover.
HSBC
Banks industry group
61.98%
- Max
- 74.88%
- HSBC
- 61.98%
- Q3
- 42.57%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
PNC
Banks industry group
38.93%
- Max
- 74.88%
- Q3
- 42.57%
- PNC
- 38.93%
- Median
- 29.00%
- Q1
- 19.94%
- Min
- 0.00%
Dividends at a Glance
| Metric | HSBC | PNC |
|---|---|---|
| Dividend Yield (TTM) | 4.05% | 2.86% |
| Dividend Payout Ratio (TTM) | 61.98% | 38.93% |