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HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis

NYSE:HTH - New York Stock Exchange, Inc. - US4327481010 - Common Stock - Currency: USD

28.19  -0.44 (-1.54%)

Fundamental Rating

3

HTH gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of HTH have multiple concerns. HTH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

HTH had positive earnings in the past year.
In the past year HTH had a positive cash flow from operations.
In the past 5 years HTH has always been profitable.
In the past 5 years HTH always reported a positive cash flow from operatings.
HTH Yearly Net Income VS EBIT VS OCF VS FCFHTH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

HTH has a Return On Assets of 0.70%. This is comparable to the rest of the industry: HTH outperforms 40.70% of its industry peers.
With a Return On Equity value of 5.17%, HTH is not doing good in the industry: 74.37% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.7%
ROE 5.17%
ROIC N/A
ROA(3y)0.69%
ROA(5y)1.34%
ROE(3y)5.3%
ROE(5y)10%
ROIC(3y)N/A
ROIC(5y)N/A
HTH Yearly ROA, ROE, ROICHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 9.52%, HTH is doing worse than 84.42% of the companies in the same industry.
In the last couple of years the Profit Margin of HTH has declined.
HTH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 9.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.46%
PM growth 5Y-8.69%
GM growth 3YN/A
GM growth 5YN/A
HTH Yearly Profit, Operating, Gross MarginsHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HTH has less shares outstanding
Compared to 5 years ago, HTH has less shares outstanding
Compared to 1 year ago, HTH has an improved debt to assets ratio.
HTH Yearly Shares OutstandingHTH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
HTH Yearly Total Debt VS Total AssetsHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

HTH has a debt to FCF ratio of 4.65. This is a neutral value as HTH would need 4.65 years to pay back of all of its debts.
The Debt to FCF ratio of HTH (4.65) is worse than 66.08% of its industry peers.
A Debt/Equity ratio of 0.57 indicates that HTH is somewhat dependend on debt financing.
HTH has a worse Debt to Equity ratio (0.57) than 77.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF 4.65
Altman-Z N/A
ROIC/WACCN/A
WACC16.51%
HTH Yearly LT Debt VS Equity VS FCFHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HTH Yearly Current Assets VS Current LiabilitesHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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3

3. Growth

3.1 Past

HTH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.96%.
Measured over the past years, HTH shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.46% on average per year.
The Revenue has decreased by -0.60% in the past year.
Measured over the past years, HTH shows a decrease in Revenue. The Revenue has been decreasing by -4.57% on average per year.
EPS 1Y (TTM)2.96%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%25%
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%-5.16%

3.2 Future

The Earnings Per Share is expected to grow by 3.14% on average over the next years.
Based on estimates for the next years, HTH will show a small growth in Revenue. The Revenue will grow by 2.19% on average per year.
EPS Next Y-10.32%
EPS Next 2Y3.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
Revenue Next 2Y2.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HTH Yearly Revenue VS EstimatesHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
HTH Yearly EPS VS EstimatesHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.20, the valuation of HTH can be described as correct.
Based on the Price/Earnings ratio, HTH is valued a bit more expensive than 75.38% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. HTH is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 18.07, the valuation of HTH can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HTH indicates a slightly more expensive valuation: HTH is more expensive than 75.63% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, HTH is valued at the same level.
Industry RankSector Rank
PE 16.2
Fwd PE 18.07
HTH Price Earnings VS Forward Price EarningsHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HTH is valued cheaper than 83.17% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.85
EV/EBITDA N/A
HTH Per share dataHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.14%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, HTH is paying slightly less dividend.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

The dividend of HTH is nicely growing with an annual growth rate of 16.28%!
HTH has been paying a dividend for at least 10 years, so it has a reliable track record.
As HTH did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)16.28%
Div Incr Years8
Div Non Decr Years8
HTH Yearly Dividends per shareHTH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

39.09% of the earnings are spent on dividend by HTH. This is a low number and sustainable payout ratio.
The dividend of HTH is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.09%
EPS Next 2Y3.14%
EPS Next 3YN/A
HTH Yearly Income VS Free CF VS DividendHTH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B
HTH Dividend Payout.HTH Dividend Payout, showing the Payout Ratio.HTH Dividend Payout.PayoutRetained Earnings

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HILLTOP HOLDINGS INC

NYSE:HTH (4/21/2025, 2:02:56 PM)

28.19

-0.44 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-25 2025-04-25/amc
Inst Owners58.89%
Inst Owner Change-0.04%
Ins Owners29.57%
Ins Owner Change1.36%
Market Cap1.83B
Analysts47.27
Price Target34.68 (23.02%)
Short Float %2.37%
Short Ratio2.77
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP39.09%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-13 2025-02-13 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)59.21%
Min EPS beat(2)23.93%
Max EPS beat(2)94.48%
EPS beat(4)4
Avg EPS beat(4)50.17%
Min EPS beat(4)19.2%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)32.28%
EPS beat(12)10
Avg EPS beat(12)34.26%
EPS beat(16)14
Avg EPS beat(16)32.03%
Revenue beat(2)1
Avg Revenue beat(2)-1.16%
Min Revenue beat(2)-2.85%
Max Revenue beat(2)0.53%
Revenue beat(4)1
Avg Revenue beat(4)-2.96%
Min Revenue beat(4)-6.34%
Max Revenue beat(4)0.53%
Revenue beat(8)2
Avg Revenue beat(8)14.5%
Revenue beat(12)6
Avg Revenue beat(12)71.56%
Revenue beat(16)10
Avg Revenue beat(16)138.66%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-13.39%
EPS NQ rev (3m)-13.6%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 16.2
Fwd PE 18.07
P/S 1.54
P/FCF 6.85
P/OCF 6.67
P/B 0.83
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.74
EY6.17%
EPS(NY)1.56
Fwd EY5.54%
FCF(TTM)4.11
FCFY14.59%
OCF(TTM)4.22
OCFY14.98%
SpS18.33
BVpS33.76
TBVpS29.45
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 5.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.52%
GM N/A
FCFM 22.44%
ROA(3y)0.69%
ROA(5y)1.34%
ROE(3y)5.3%
ROE(5y)10%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.46%
PM growth 5Y-8.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF 4.65
Debt/EBITDA N/A
Cap/Depr 35.75%
Cap/Sales 0.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 235.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.51%
ROIC/WACCN/A
Cap/Depr(3y)36.35%
Cap/Depr(5y)76.4%
Cap/Sales(3y)0.69%
Cap/Sales(5y)1.04%
Profit Quality(3y)558.31%
Profit Quality(5y)385.39%
High Growth Momentum
Growth
EPS 1Y (TTM)2.96%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%25%
EPS Next Y-10.32%
EPS Next 2Y3.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%-5.16%
Revenue Next Year1.22%
Revenue Next 2Y2.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.6%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y-38.17%
OCF growth 3Y-29.01%
OCF growth 5YN/A