HSBC Holdings Balance Sheet Health
Financial Health criteria checks 4/6
HSBC Holdings has total assets of $3,098.6B and total equity of $200.0B. Total deposits are $1,750.1B, and total loans are $1,086.2B earning a Net Interest Margin of 1.7%. It has insufficient allowance for bad loans, which are currently at 2.2% of total loans. Cash and short-term investments are $1,098.0B.
Key information
15.5x
Asset to equity ratio
1.7%
Net interest margin
| Total deposits | US$1.75t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$1.10t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HSBA's Assets to Equity ratio (15.5x) is moderate.
Allowance for Bad Loans: HSBA has a low allowance for bad loans (45%).
Low Risk Liabilities: 60% of HSBA's liabilities are made up of primarily low risk sources of funding.
Loan Level: HSBA has an appropriate level of Loans to Assets ratio (35%).
Low Risk Deposits: HSBA's Loans to Deposits ratio (62%) is appropriate.
Level of Bad Loans: HSBA has a high level of bad loans (2.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 13:38 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
HSBC Holdings plc is covered by 74 analysts. 19 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Grinsztajn | AlphaValue |
| Jesús Gómez Dominguez | Banco Santander |
| Neil Smith | Bankhaus Lampe KG |