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HSBCHSBC HOLDINGS PLCNYSE

HSBC Holdings plc Reports Decline in Annual Operating Profit and Net Income for FY 2025, Sets 2028 Revenue Growth Target

20-FEarningsvolatileImpact64

HSBC Price

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HSBC's annual performance shows a contraction in core profitability and a significant reduction in operating cash flow, which could impact investor sentiment. While the company has set ambitious long-term growth and RoTE targets, the immediate capital impact from the Hang Seng Bank privatization and the resulting pause in share buy-backs signal near-term headwinds

Annual Report Snapshot

Fiscal Year End
December 31, 2025
Profit from Operating Activities
$27.996 B
Net Income
$23.131 B
Operating Cash Flow
$29.766 B

HSBC Holdings plc reported its financial results for the fiscal year ended December 31, 2025, showing a decline in both operating profit and net income compared to the previous year. Profit from operating activities decreased by 4.8% to $27.996 billion, and net income fell by 7.5% to $23.131 billion. Basic earnings per share also saw a slight decrease from $1.25 to $1.21. A notable concern is the significant drop in cash flows from operating activities, which decreased by 54.4% to $29.766 billion. Despite these declines, the company has set forward-looking targets, aiming for revenue growth rising to 5% year-on-year by 2028 on a constant currency basis and a Return on Tangible Equity (RoTE) of 17% or better for 2026, 2027, and 2028

Score64

Score Rationale

volatile

HSBC reported a routine decline in annual operating profit and net income, alongside a significant drop in operating cash flow, but set a positive revenue growth target for 2028.

Performance & Outlook

Profit from Operating Activities

Down 4.8% YoY
FY 2024
$29.397 B
FY 2025
$27.996 B

Net Income

Down 7.5% YoY
FY 2024
$24.999 B
FY 2025
$23.131 B

Cash Flows from Operating Activities

Down 54.4% YoY
FY 2024
$65.305 B
FY 2025
$29.766 B
By 2028 Revenue GrowthRising to 5% YoYOn a constant currency basis excluding notable items.
2026-2028 Target RoTE (Return on Tangible Equity)17% or betterExcluding notable items.
2026-2028 Target Dividend Payout Ratio50%Of profit attributable to ordinary shareholders, excluding material notable...

Key Business Updates

  1. Capital ManagementCET1 Ratio 14.9%

    CET1 capital ratio was 14.9% in 2025, stable from 2024. Aiming for 14-14.5% over medium term, but expects a fall in H1 2026 due to Hang Seng Bank privatization.

  2. Share Buy-backsPaused

    Share buy-backs will be paused until the CET1 capital ratio is back within or above the target range, following the capital impact from Hang Seng Bank privatization.

  3. International Wealth and Premier BankingRevenue up 5%

    Profit before tax was $4.4bn, up $0.4bn from 2024. Revenue of $14.5bn was up 5% on a constant currency basis, driven by broad-based growth in Wealth.

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HSBC Market Context

SectorFinancial Services
IndustryBanks
Market Cap$345.46B
Shares Outstanding3.44B
Public Float3.44B
Public Float %100.0%
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Original Filing Text

SEC filing text preserved from the raw item store.

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