HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
USA - NYSE:HTH - US4327481010 - Common Stock
32.36 USD
-0.02 (-0.06%)
32.36 USD
0 (0%)
Overall HTH gets a fundamental rating of 3 out of 10. We evaluated HTH against 388 industry peers in the Banks industry. HTH may be in some trouble as it scores bad on both profitability and health. HTH is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
HTH had positive earnings in the past year.
HTH had a positive operating cash flow in the past year.
HTH had positive earnings in each of the past 5 years.
Each year in the past 5 years HTH had a positive operating cash flow.
1.2 Ratios
The Return On Assets of HTH (1.02%) is better than 65.46% of its industry peers.
With a Return On Equity value of 7.29%, HTH is not doing good in the industry: 62.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.29% | ||
| 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
1.3 Margins
HTH has a Profit Margin of 12.73%. This is amonst the worse of the industry: HTH underperforms 81.96% of its industry peers.
HTH's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HTH so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.73% | ||
| 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
2. Health
2.1 Basic Checks
HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HTH has been reduced compared to 1 year ago.
HTH has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HTH has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of HTH is 5.48, which is a neutral value as it means it would take HTH, 5.48 years of fcf income to pay off all of its debts.
HTH has a Debt to FCF ratio of 5.48. This is in the lower half of the industry: HTH underperforms 71.91% of its industry peers.
HTH has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
HTH's Debt to Equity ratio of 0.41 is on the low side compared to the rest of the industry. HTH is outperformed by 74.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.70% over the past year.
HTH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.46% yearly.
HTH shows a small growth in Revenue. In the last year, the Revenue has grown by 6.38%.
The Revenue has been decreasing by -4.57% on average over the past years.
EPS 1Y (TTM)22.7%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%60.87%
Revenue 1Y (TTM)6.38%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.99%
3.2 Future
Based on estimates for the next years, HTH will show a small growth in Earnings Per Share. The EPS will grow by 5.78% on average per year.
The Revenue is expected to grow by 2.98% on average over the next years.
EPS Next Y2.63%
EPS Next 2Y2.29%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue Next Year5.53%
Revenue Next 2Y3.33%
Revenue Next 3Y2.98%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.18, which indicates a correct valuation of HTH.
HTH's Price/Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 75.26% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.51. HTH is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 17.77, which indicates a rather expensive current valuation of HTH.
Based on the Price/Forward Earnings ratio, HTH is valued a bit more expensive than the industry average as 77.84% of the companies are valued more cheaply.
HTH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.18 | ||
| Fwd PE | 17.77 |
4.2 Price Multiples
HTH's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)6.16
PEG (5Y)N/A
EPS Next 2Y2.29%
EPS Next 3Y5.78%
5. Dividend
5.1 Amount
HTH has a Yearly Dividend Yield of 2.15%.
Compared to an average industry Dividend Yield of 3.39, HTH is paying slightly less dividend.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
5.2 History
The dividend of HTH is nicely growing with an annual growth rate of 16.28%!
HTH has paid a dividend for at least 10 years, which is a reliable track record.
HTH has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)16.28%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
28.46% 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.
DP28.46%
EPS Next 2Y2.29%
EPS Next 3Y5.78%
32.36
-0.02 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.62%
Inst Owner Change-4.13%
Ins Owners30.34%
Ins Owner Change2.88%
Market Cap2.04B
Revenue(TTM)1.25B
Net Income(TTM)159.53M
Analysts49.09
Price Target35.02 (8.22%)
Short Float %2.45%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP28.46%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)24.21%
Min EPS beat(2)-1.11%
Max EPS beat(2)49.53%
EPS beat(4)3
Avg EPS beat(4)37.31%
Min EPS beat(4)-1.11%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)32.96%
EPS beat(12)10
Avg EPS beat(12)29.89%
EPS beat(16)13
Avg EPS beat(16)29.43%
Revenue beat(2)2
Avg Revenue beat(2)1.87%
Min Revenue beat(2)1.29%
Max Revenue beat(2)2.45%
Revenue beat(4)4
Avg Revenue beat(4)1.25%
Min Revenue beat(4)0.53%
Max Revenue beat(4)2.45%
Revenue beat(8)4
Avg Revenue beat(8)-1.32%
Revenue beat(12)6
Avg Revenue beat(12)20.95%
Revenue beat(16)10
Avg Revenue beat(16)71.39%
PT rev (1m)3%
PT rev (3m)3%
EPS NQ rev (1m)-24.8%
EPS NQ rev (3m)-19.5%
EPS NY rev (1m)9.36%
EPS NY rev (3m)16.89%
Revenue NQ rev (1m)1.05%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)1.04%
Revenue NY rev (3m)1.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.18 | ||
| Fwd PE | 17.77 | ||
| P/S | 1.63 | ||
| P/FCF | 12.48 | ||
| P/OCF | 12.21 | ||
| P/B | 0.93 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)2
EY6.18%
EPS(NY)1.82
Fwd EY5.63%
FCF(TTM)2.59
FCFY8.01%
OCF(TTM)2.65
OCFY8.19%
SpS19.89
BVpS34.74
TBVpS30.21
PEG (NY)6.16
PEG (5Y)N/A
Graham Number39.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.73% | ||
| GM | N/A | ||
| FCFM | 13.04% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 20.67% | ||
| Cap/Sales | 0.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.89%
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)22.7%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%60.87%
EPS Next Y2.63%
EPS Next 2Y2.29%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue 1Y (TTM)6.38%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.99%
Revenue Next Year5.53%
Revenue Next 2Y3.33%
Revenue Next 3Y2.98%
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 1Y30.8%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y25.1%
OCF growth 3Y-29.01%
OCF growth 5YN/A
HILLTOP HOLDINGS INC / HTH FAQ
What is the fundamental rating for HTH stock?
ChartMill assigns a fundamental rating of 3 / 10 to HTH.
What is the valuation status for HTH stock?
ChartMill assigns a valuation rating of 2 / 10 to HILLTOP HOLDINGS INC (HTH). This can be considered as Overvalued.
How profitable is HILLTOP HOLDINGS INC (HTH) stock?
HILLTOP HOLDINGS INC (HTH) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for HTH stock?
The Price/Earnings (PE) ratio for HILLTOP HOLDINGS INC (HTH) is 16.18 and the Price/Book (PB) ratio is 0.93.
Can you provide the dividend sustainability for HTH stock?
The dividend rating of HILLTOP HOLDINGS INC (HTH) is 5 / 10 and the dividend payout ratio is 28.46%.