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HSBC Holdings plc

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HSBC Holdings plc Q3 FY25 Results — Earnings Call Analysis

Q3 FY25 earnings call: what management said on revenue, margins and capex.

Price₹93
Market cap₹3.2L Cr
P/E15.5
Updated29 May 2026
Read4 min read

What the Q3 FY25 call signalled

1 of 3 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned

The short version

- U.K. - The bank targets mid-teens Return on Tangible Equity (RoTE) for 2025, 2026, and 2027, excluding notable items, indicating strong operating earnings growth expectations.

From HSBC Holdings plc's Q3 FY25 earnings-call transcript · updated 29 May 2026.

Revenue & Sales Performance

Moderate growth
  • U.K. commercial banking shows early signs of loan growth with $3.5 billion increase, indicating potential future investments as trade clarity improves.
  • Trade agreements post-Brexit with U.S., EU, and India are expected to boost trade corridors, providing growth opportunities.
  • FX business is accelerating investment to capture medium-term growth amidst transactional volatility and strong customer engagement.
  • Asia (excluding Hong Kong and China) shows stable loan growth, although Q2 decisions slowed due to tariff uncertainties.
  • Fee and other income, including in Wealth (up 21-22%), Investment Distribution (up 24%), and Private Banking (up 12%), are strong growth drivers.
  • Net new invested assets grew by $75 billion in 12 months, reflecting positive momentum in wealth management.

2 more points from HSBC Holdings plc's call on revenue

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Profitability & Margins

See what HSBC Holdings plc said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • HSBC is investing with intent in priority growth areas where it has competitive advantage and can generate accretive returns.
  • Significant investments are being made in Wealth capabilities, including opening new wealth centers in Hong Kong, the UK, Mainland China, Singapore, Malaysia, UAE, India, and the US.
  • The bank is enhancing its digital capabilities through AI, GenAI, and automation to improve technology productivity, credit analysis, and customer service.
  • HSBC has launched innovative payment solutions such as HSBC TradePay for import duties and HSBC Tokenised Deposit Services in multiple markets, with further expansions planned.

2 more points from HSBC Holdings plc's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what HSBC Holdings plc said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The discussion primarily focuses on financial results, business growth, investment in technology, strategic exits, and capabilities such as trade banking, loans, deposits, and wealth management. There is no direct reference to orderbook volumes, pending orders, or related metrics in the transcript.

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Frequently Asked Questions

What were HSBC Holdings plc Q3 FY25 results?

- U.K. - The bank targets mid-teens Return on Tangible Equity (RoTE) for 2025, 2026, and 2027, excluding notable items, indicating strong operating earnings growth expectations.

What is HSBC Holdings plc share price analysis?

HSBC Holdings plc currently shows a below-average growth signal. The stock trades at a P/E of 15.5 with a market cap of $319,288. Investors should review the full earnings analysis for detailed insights.

Is HSBC Holdings plc planning capital expenditure?

- HSBC is investing with intent in priority growth areas where it has competitive advantage and can generate accretive returns.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.