)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
HSBC
HSBC (HSBA) investor relations material
HSBC Q4 2025 Fixed Income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 Fixed Income earnings summary25 Feb, 2026
Executive summary
Achieved $71 billion in revenue for 2025, up 5% year-over-year, and record profit before tax of $36.6 billion, up 7% year-over-year, excluding notable items.
Return on tangible equity reached 17.2%, meeting or exceeding mid-teens targets across all four global businesses.
Completed the privatization of Hang Seng Bank ahead of schedule, unlocking $0.5 billion in expected synergies by 2028 and strengthening the position in Hong Kong.
Strategic priorities focused on simplification, customer-centricity, and sustainable growth, with $1.2 billion in annualized simplification savings realized.
Financial highlights
Declared ordinary dividends of $0.75 per share, a 14% increase year-over-year.
Deposits grew by $78 billion year-over-year to $1,787 billion, with strong inflows in Hong Kong.
Loan book grew by 2% to $988 billion, with growth in the U.K., CIB, and IWPB, partially offset by muted demand in Hong Kong.
Cost of risk was 39 basis points, in line with guidance, and Stage 3 balances rose slightly to 2.5% of customer loans.
Costs increased 3% year-over-year, in line with guidance, with $1.2 billion annualized simplification savings actioned.
Outlook and guidance
Revenue growth expected to approach 5% by 2028, excluding notable items.
Targeting return on tangible equity of 17% or better annually through 2028.
2026 banking NII guidance set at a minimum of $45 billion.
Cost growth guided at 1% for 2026.
CET1 ratio to be managed within a 14%-14.5% range.
Hang Seng: How will two brands drive synergies?
What drives share buyback resumption?
Tokenized deposit offering expansion timeline?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next HSBC earnings date
Q1 202628 Apr, 2026
HSBC
Next HSBC earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
A British Bank With Expertise in Asia
Founded in 1865, HSBC, originally known as The Hongkong and Shanghai Banking Corporation, is an important player in the global banking and financial services industry. Based in London, HSBC has grown to establish a strong foothold across different continents, providing a wide variety of services like retail banking, corporate banking, investment banking, and wealth management.
HSBC’s Inception and Growth
The journey of HSBC traces back to the mid-19th century when Thomas Sutherland founded the bank in the former British territories of Hong Kong and Shanghai. The vision was to facilitate the growing trade between Europe, India, and China. Over the decades, HSBC has expanded its footprint across the globe through organic growth and strategic acquisitions. Today it operates in over 64 countries and territories all over the world, serving more than 40 million customers. This global reach is not something unique in the modern banking world, and competitors like Barclays and Citi also have a massive international presence.
A Modern Financial Powerhouse
HSBC provides an array of comprehensive financial services to a wide customer base that ranges from individual consumers to multinational corporations. Its four major business components include retail banking and wealth management, commercial banking, global banking and markets, and global private and investment banking. The bank's products and services encompass current and savings accounts, mortgages, insurance, credit/debit cards, and loans, as well as foreign exchange, treasury services, and investment management. It has positioned itself as a bridge between the East and the West, emphasizing its role as a global trade facilitator, and the bank continues to have a strategic focus on Asia.
Looking Ahead
In the wake of digital transformation, HSBC has also been proactive in adapting to technological advancements. The bank has shown a willingness to embrace technology to enhance customer experience, optimize operational efficiency, and mitigate risks. With the rise of FinTech competitors, the bank has invested heavily in digital banking platforms, data analytics, AI, cybersecurity, and blockchain technologies. HSBC's adoption of mobile banking has also been significant, reflecting its aim to serve the digital-savvy customer base effectively.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage