COMP <GO>
AFRM vs HSBC // DIVIDEND YIELD & FCF PAYOUT SAFETY
Affirm Holdings Inc. (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: AFRM 4
— HSBC 7
■ METRIC PARITY
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
dividend-safety
0.00%
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
dividend-safety
0.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AFRM VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AFRM | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 9.90% | -11.10 | HSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 21.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.37% | 2.21% | +0.16 | AFRM | /fcf-yield <GO> |
| Operating Margin | -7.80% | 13.90% | -21.70 | HSBC | /operating-margins <GO> |
| Net Profit Margin | 4.70% | 10.90% | -6.20 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 34.90% | 23.10% | +11.80 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.54 | 3.74 | -2.20 | HSBC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.5 | 25.0 | +25.51 | AFRM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.92 | +0.04 | AFRM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 140.0x | 27.6x | +112.40 | HSBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $25.36B | $297.33B | -$271.96B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AFRM REV | HSBC REV | AFRM GROSS % | HSBC GROSS % | AFRM FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.11B | — | 44.0% | — | $601.7M | — |
| FY 2024 | $826.0M | — | 44.0% | — | $290.8M | — |
| FY 2023 | $626.9M | — | 44.0% | — | -$16.0M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AFRM // BETA 0.96
HSBC // BETA 0.92