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HSBC vs UBS
HSBC vs UBS Stock Comparison: Wealth Giants Face Momentum Test
Key Takeaways
- HSBC boasts larger scale with $296B market cap and 63% 1-year return, driven by Asia-focused growth and digital bond innovations.
- UBS shows stronger YTD performance at 9.74% vs HSBC's 7.40%, bolstered by Credit Suisse integration and wealth management gains.
- Both stocks exhibit recent pullbacks, with HSBC down from 90.72 highs and UBS from 47.67 peaks amid market volatility.
- Wealth and international banking drive contrasts: HSBC emphasizes Asia trade, UBS leverages global advisory post-merger.
- Tickeron AI favors UBS for earnings surprises and cost synergies, though HSBC offers undervaluation signals.
- Dividend yields competitive at 2.35% for HSBC and 2.62% for UBS, supporting income-focused relative performance.
Introduction
HSBC Holdings plc (HSBC) and UBS Group AG (UBS) stand as pillars in global banking, with HSBC anchoring Asia-Pacific trade finance and retail and UBS excelling in wealth management and investment banking. This stock comparison analyzes their relative performance amid shifting market dynamics, including interest rate pressures and geopolitical tensions. Traders seeking momentum plays and investors eyeing dividend stability or long-term growth in international finance will find value in contrasting their business models, recent trajectories, and positioning. Both offer exposure to wealth trends, but differing footprints yield distinct risk-reward profiles in today's environment.
HSBC Overview and Recent Performance
HSBC Holdings plc, a UK-headquartered multinational bank, operates a diversified model emphasizing retail banking, commercial finance, and wealth management, with over 60% of revenues tied to Asia. Its strategy pivots on high-growth regions like Hong Kong and the Middle East, generating robust net interest income and fees from cross-border trade. Recent market activity saw HSBC's NYSE shares climb to a 52-week high near $90.81 before pulling back to $85.15, reflecting a 7.40% YTD gain and explosive 63.17% 1-year return. Sentiment has been buoyed by selection for the UK's digital bond pilot on its blockchain platform and sustained multi-year rallies, though short-term dips trace to broader financial sector rotations and valuation debates. Influences include resilient net interest margins and wealth net new assets growth, tempered by Hong Kong real estate exposure.
UBS Overview and Recent Performance
UBS Group AG, Switzerland's largest bank, focuses on global wealth management, asset management, and investment banking, enhanced by its transformative Credit Suisse acquisition. The model prioritizes high-margin fee income from ultra-high-net-worth clients and advisory services, with ongoing integration driving cost synergies nearing $10B. Shares traded from 52-week highs around $49.36 down to $41.99, posting a solid 9.74% YTD amid 29.23% annual gains. Recent weeks featured volatility post-Q4 earnings alignment, with declines from $47 peaks linked to integration costs and market uncertainty. Positive drivers include $38B quarterly net new wealth assets and ambitions for $5.5T invested assets by 2028, offset by legacy portfolio wind-downs and elevated debt levels.
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Head-to-Head Comparison
HSBC's universal banking model contrasts UBS's wealth-centric focus: HSBC's $70B revenue dwarfs UBS's $47.9B, fueled by Asia trade and retail NII stability, while UBS targets 15% RoCET1 via synergies and $200B+ annual net new money. Growth drivers diverge—HSBC from digital finance pilots and wealth fees (+29%), UBS from advisory and post-merger scale in Global Markets. Recent momentum favors neither decisively, with both retreating from peaks amid sector rotations, though UBS edges short-term technicals (5 bullish vs HSBC's 3). Risks include HSBC's China exposure versus UBS's integration overhang and higher debt ($328B vs $98B). Sector-wise, HSBC leans retail/international, UBS wealth/investment banking; sentiment tilts to HSBC's undervaluation (32% discount models) against UBS's earnings beats (53% history).
Tickeron AI Verdict
Tickeron’s AI models currently favor UBS over HSBC, highlighting its superior 53% earnings surprise track record, accelerating $13.5B cost savings trajectory by 2026, and positioned catalysts in high-margin wealth and investment banking amid stable CET1 ratios near 14%. While HSBC demonstrates trend consistency via Asia resilience and scale, UBS's relative positioning in integration-driven efficiencies suggests higher probabilistic outperformance in the near term, absent major disruptions.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HSBC is a StrongBuy and UBS is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HSBC’s FA Score shows that 3 FA rating(s) are green whileUBS’s FA Score has 2 green FA rating(s).
- HSBC’s FA Score: 3 green, 2 red.
- UBS’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HSBC’s TA Score shows that 5 TA indicator(s) are bullish while UBS’s TA Score has 4 bullish TA indicator(s).
- HSBC’s TA Score: 5 bullish, 3 bearish.
- UBS’s TA Score: 4 bullish, 5 bearish.
Price Growth
HSBC (@Major Banks) experienced а +2.06% price change this week, while UBS (@Major Banks) price change was +4.17% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.65%. For the same industry, the average monthly price growth was +8.99%, and the average quarterly price growth was +17.62%.
Reported Earning Dates
HSBC is expected to report earnings on Aug 04, 2026.
UBS is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Major Banks (+3.65% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| HSBC | UBS | HSBC / UBS | |
| Capitalization | 316B | 162B | 195% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 22.112 | 9.790 | 226% |
| P/E Ratio | 15.36 | 17.76 | 86% |
| Revenue | 67.6B | 49.1B | 138% |
| Total Cash | 243B | 210B | 116% |
| Total Debt | 102B | 344B | 30% |
HSBC | UBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 86 | 39 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 41 Fair valued | 68 Overvalued | |
PROFIT vs RISK RATING 1..100 | 4 | 13 | |
SMR RATING 1..100 | 4 | 8 | |
PRICE GROWTH RATING 1..100 | 42 | 41 | |
P/E GROWTH RATING 1..100 | 24 | 71 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HSBC's Valuation (41) in the Major Banks industry is in the same range as UBS (68). This means that HSBC’s stock grew similarly to UBS’s over the last 12 months.
HSBC's Profit vs Risk Rating (4) in the Major Banks industry is in the same range as UBS (13). This means that HSBC’s stock grew similarly to UBS’s over the last 12 months.
HSBC's SMR Rating (4) in the Major Banks industry is in the same range as UBS (8). This means that HSBC’s stock grew similarly to UBS’s over the last 12 months.
UBS's Price Growth Rating (41) in the Major Banks industry is in the same range as HSBC (42). This means that UBS’s stock grew similarly to HSBC’s over the last 12 months.
HSBC's P/E Growth Rating (24) in the Major Banks industry is somewhat better than the same rating for UBS (71). This means that HSBC’s stock grew somewhat faster than UBS’s over the last 12 months.
| HSBC | UBS | |
|---|---|---|
| RSI ODDS (%) | N/A | 4 days ago 67% |
| Stochastic ODDS (%) | 4 days ago 73% | 4 days ago 62% |
| Momentum ODDS (%) | 4 days ago 43% | 4 days ago 63% |
| MACD ODDS (%) | 4 days ago 39% | 4 days ago 56% |
| TrendWeek ODDS (%) | 4 days ago 66% | 4 days ago 65% |
| TrendMonth ODDS (%) | 4 days ago 64% | 4 days ago 56% |
| Advances ODDS (%) | 4 days ago 67% | 4 days ago 65% |
| Declines ODDS (%) | 6 days ago 52% | 19 days ago 63% |
| BollingerBands ODDS (%) | 4 days ago 71% | 4 days ago 44% |
| Aroon ODDS (%) | 4 days ago 69% | 4 days ago 53% |
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HSBC and
Correlation & Price change
A.I.dvisor indicates that over the last year, HSBC has been closely correlated with BCS. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if HSBC jumps, then BCS could also see price increases.
| Ticker / NAME | Correlation To HSBC | 1D Price Change % | ||
|---|---|---|---|---|
| HSBC | 100% | +0.27% | ||
| BCS - HSBC | 75% Closely correlated | +0.67% | ||
| ING - HSBC | 69% Closely correlated | +0.73% | ||
| SAN - HSBC | 67% Closely correlated | +2.10% | ||
| SMFG - HSBC | 58% Loosely correlated | -0.41% | ||
| BMO - HSBC | 55% Loosely correlated | +0.06% | ||
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UBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBS has been loosely correlated with ING. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if UBS jumps, then ING could also see price increases.
| Ticker / NAME | Correlation To UBS | 1D Price Change % | ||
|---|---|---|---|---|
| UBS | 100% | +1.18% | ||
| ING - UBS | 65% Loosely correlated | +0.73% | ||
| BCS - UBS | 63% Loosely correlated | +0.67% | ||
| SAN - UBS | 57% Loosely correlated | +2.10% | ||
| HSBC - UBS | 55% Loosely correlated | +0.27% | ||
| SMFG - UBS | 51% Loosely correlated | -0.41% | ||
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