HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HTH - US4327481010 - Common Stock
34.46 USD
-0.08 (-0.23%)
34.46 USD
0 (0%)
Overall HTH gets a fundamental rating of 3 out of 10. We evaluated HTH against 387 industry peers in the Banks industry. Both the profitability and financial health of HTH have multiple concerns. HTH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year HTH was profitable.
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
With a decent Return On Assets value of 1.02%, HTH is doing good in the industry, outperforming 62.53% of the companies in the same industry.
HTH has a Return On Equity of 7.29%. This is in the lower half of the industry: HTH underperforms 64.08% of its industry peers.
| 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 81.14% of its industry peers.
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 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.
HTH has a better debt/assets ratio than last year.
2.2 Solvency
HTH has a debt to FCF ratio of 5.48. This is a neutral value as HTH would need 5.48 years to pay back of all of its debts.
The Debt to FCF ratio of HTH (5.48) is worse than 73.64% 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.
With a Debt to Equity ratio value of 0.41, HTH is not doing good in the industry: 73.13% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.48 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.70%, which is quite impressive.
HTH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.46% yearly.
Looking at the last year, HTH shows a small growth in Revenue. The Revenue has grown by 6.38% in the last 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)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
HTH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.56% yearly.
Based on estimates for the next years, HTH will show a small growth in Revenue. The Revenue will grow by 3.23% on average per year.
EPS Next Y17.83%
EPS Next 2Y8.47%
EPS Next 3Y8.56%
EPS Next 5YN/A
Revenue Next Year5.46%
Revenue Next 2Y3.53%
Revenue Next 3Y3.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.23, the valuation of HTH can be described as rather expensive.
HTH's Price/Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 75.71% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, HTH is valued a bit cheaper.
HTH is valuated correctly with a Price/Forward Earnings ratio of 16.83.
Based on the Price/Forward Earnings ratio, HTH is valued a bit more expensive than 75.97% of the companies in the same industry.
HTH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.23 | ||
| Fwd PE | 16.83 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as HTH.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.97
PEG (5Y)N/A
EPS Next 2Y8.47%
EPS Next 3Y8.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.12%, HTH has a reasonable but not impressive dividend return.
HTH's Dividend Yield is slightly below the industry average, which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, HTH has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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
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 2Y8.47%
EPS Next 3Y8.56%
34.46
-0.08 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.32%
Inst Owner Change0%
Ins Owners31.14%
Ins Owner Change1.79%
Market Cap2.11B
Revenue(TTM)1.25B
Net Income(TTM)159.53M
Analysts49.09
Price Target36.04 (4.59%)
Short Float %3.08%
Short Ratio3.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP28.46%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
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)0%
PT rev (3m)6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.53%
EPS NY rev (1m)14.82%
EPS NY rev (3m)25.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.23 | ||
| Fwd PE | 16.83 | ||
| P/S | 1.69 | ||
| P/FCF | 12.94 | ||
| P/OCF | 12.65 | ||
| P/B | 0.97 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)2
EY5.8%
EPS(NY)2.05
Fwd EY5.94%
FCF(TTM)2.66
FCFY7.73%
OCF(TTM)2.72
OCFY7.9%
SpS20.43
BVpS35.68
TBVpS31.03
PEG (NY)0.97
PEG (5Y)N/A
Graham Number40.07
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
WACC15.76%
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 Y17.83%
EPS Next 2Y8.47%
EPS Next 3Y8.56%
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 Year5.46%
Revenue Next 2Y3.53%
Revenue Next 3Y3.23%
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.
Can you provide the valuation status for HILLTOP HOLDINGS INC?
ChartMill assigns a valuation rating of 3 / 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 17.23 and the Price/Book (PB) ratio is 0.97.
What is the financial health of HILLTOP HOLDINGS INC (HTH) stock?
The financial health rating of HILLTOP HOLDINGS INC (HTH) is 2 / 10.