HILLTOP HOLDINGS INC (HTH)

US4327481010 - Common Stock

31.07  +0.94 (+3.12%)

After market: 31.07 0 (0%)

Fundamental Rating

2

Taking everything into account, HTH scores 2 out of 10 in our fundamental rating. HTH was compared to 415 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.



2

1. Profitability

1.1 Basic Checks

In the past year HTH was profitable.
HTH had a positive operating cash flow in the past year.
In the past 5 years HTH has always been profitable.
HTH had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.67%, HTH is not doing good in the industry: 71.08% of the companies in the same industry are doing better.
HTH's Return On Equity of 5.16% is on the low side compared to the rest of the industry. HTH is outperformed by 83.37% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 5.16%
ROIC N/A
ROA(3y)1.12%
ROA(5y)1.5%
ROE(3y)8.52%
ROE(5y)11.11%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

HTH has a worse Profit Margin (9.16%) than 90.12% of its industry peers.
In the last couple of years the Profit Margin of HTH has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for HTH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 9.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.35%
PM growth 5Y-0.16%
GM growth 3YN/A
GM growth 5YN/A

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 more shares outstanding
Compared to 5 years ago, HTH has less shares outstanding
HTH has a better debt/assets ratio than last year.

2.2 Solvency

HTH has a debt to FCF ratio of 2.96. This is a good value and a sign of high solvency as HTH would need 2.96 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.96, HTH perfoms like the industry average, outperforming 45.78% of the companies in the same industry.
A Debt/Equity ratio of 0.60 indicates that HTH is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.60, HTH is doing worse than 74.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 2.96
Altman-Z N/A
ROIC/WACCN/A
WACC14.8%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

1

3. Growth

3.1 Past

HTH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.32%.
The Earnings Per Share has been growing slightly by 5.76% on average over the past years.
HTH shows a decrease in Revenue. In the last year, the revenue decreased by -7.40%.
Measured over the past years, HTH shows a decrease in Revenue. The Revenue has been decreasing by -1.86% on average per year.
EPS 1Y (TTM)4.32%
EPS 3Y-28.48%
EPS 5Y5.76%
EPS growth Q2Q12.82%
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y-17.31%
Revenue growth 5Y-1.86%
Revenue growth Q2Q-1.02%

3.2 Future

The Earnings Per Share is expected to grow by 5.01% on average over the next years.
Based on estimates for the next years, HTH will show a decrease in Revenue. The Revenue will decrease by -2.50% on average per year.
EPS Next Y-8.71%
EPS Next 2Y5.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.95%
Revenue Next 2Y-2.5%
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 stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.38, HTH is valued on the expensive side.
HTH's Price/Earnings ratio is rather expensive when compared to the industry. HTH is more expensive than 85.54% of the companies in the same industry.
When comparing the Price/Earnings ratio of HTH to the average of the S&P500 Index (26.42), we can say HTH is valued slightly cheaper.
With a Price/Forward Earnings ratio of 20.14, HTH is valued on the expensive side.
76.39% of the companies in the same industry are cheaper than HTH, based on the Price/Forward Earnings ratio.
HTH's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.74.
Industry RankSector Rank
PE 18.38
Fwd PE 20.14

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HTH is valued cheaply inside the industry as 88.92% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.66
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.19
EPS Next 2Y5.01%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.20%. Purely for dividend investing, there may be better candidates out there.
HTH's Dividend Yield is slightly below the industry average, which is at 3.70.
Compared to an average S&P500 Dividend Yield of 2.34, HTH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.2%

5.2 History

On average, the dividend of HTH grows each year by 17.86%, which is quite nice.
HTH has been paying a dividend for at least 10 years, so it has 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)17.86%
Div Incr Years7
Div Non Decr Years7

5.3 Sustainability

37.97% of the earnings are spent on dividend by HTH. This is a low number and sustainable payout ratio.
HTH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.97%
EPS Next 2Y5.01%
EPS Next 3YN/A

HILLTOP HOLDINGS INC

NYSE:HTH (3/27/2024, 8:19:34 PM)

After market: 31.07 0 (0%)

31.07

+0.94 (+3.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.02B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 18.38
Fwd PE 20.14
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.19
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 5.16%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 9.16%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)4.32%
EPS 3Y-28.48%
EPS 5Y
EPS growth Q2Q
EPS Next Y-8.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y-17.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y