HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
NYSE:HTH - New York Stock Exchange, Inc. - US4327481010 - Common Stock - Currency: USD
Taking everything into account, HTH scores 2 out of 10 in our fundamental rating. HTH was compared to 396 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. HTH does not seem to be growing, but still is valued expensively.
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.
HTH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.81%, HTH perfoms like the industry average, outperforming 48.99% of the companies in the same industry.
HTH's Return On Equity of 5.80% is on the low side compared to the rest of the industry. HTH is outperformed by 72.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 5.8% | ||
| 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 worse Profit Margin (10.45%) than 83.59% 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) | 10.45% | ||
| 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.
Compared to 1 year ago, HTH has less shares outstanding
Compared to 5 years ago, HTH has less shares outstanding
The debt/assets ratio for HTH has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HTH is 4.76, which is a neutral value as it means it would take HTH, 4.76 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.76, HTH is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
HTH has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of HTH (0.44) is worse than 76.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.76 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.85%.
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 been growing slightly by 2.09% in the past year.
The Revenue has been decreasing by -4.57% on average over the past years.
EPS 1Y (TTM)-5.85%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%-30.95%
Revenue 1Y (TTM)2.09%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%1.44%
3.2 Future
The Earnings Per Share is expected to grow by 3.21% on average over the next years.
The Revenue is expected to grow by 1.95% on average over the next years.
EPS Next Y-12.21%
EPS Next 2Y3.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.55%
Revenue Next 2Y1.95%
Revenue Next 3YN/A
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 18.20, HTH is valued on the expensive side.
Based on the Price/Earnings ratio, HTH is valued a bit more expensive than 78.79% of the companies in the same industry.
HTH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.38.
With a Price/Forward Earnings ratio of 15.81, HTH is valued correctly.
HTH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 75.51% of the companies in the same industry.
HTH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.2 | ||
| Fwd PE | 15.81 |
4.2 Price Multiples
62.63% of the companies in the same industry are more expensive than HTH, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.40%, HTH has a reasonable but not impressive dividend return.
HTH's Dividend Yield is slightly below the industry average, which is at 3.46.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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
HTH pays out 35.12% of its income as dividend. This is a sustainable payout ratio.
HTH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.12%
EPS Next 2Y3.21%
EPS Next 3YN/A
NYSE:HTH (6/5/2025, 3:31:48 PM)
29.3
-0.15 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.89%
Inst Owner Change0.47%
Ins Owners29.57%
Ins Owner Change1.86%
Market Cap1.88B
Analysts49.09
Price Target34 (16.04%)
Short Float %3.58%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP35.12%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.41%
Min EPS beat(2)6.34%
Max EPS beat(2)94.48%
EPS beat(4)4
Avg EPS beat(4)35.99%
Min EPS beat(4)6.34%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)25.37%
EPS beat(12)11
Avg EPS beat(12)38.79%
EPS beat(16)14
Avg EPS beat(16)29.75%
Revenue beat(2)2
Avg Revenue beat(2)0.63%
Min Revenue beat(2)0.53%
Max Revenue beat(2)0.74%
Revenue beat(4)2
Avg Revenue beat(4)-1.19%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)0.74%
Revenue beat(8)2
Avg Revenue beat(8)-2.12%
Revenue beat(12)6
Avg Revenue beat(12)54.28%
Revenue beat(16)10
Avg Revenue beat(16)113.49%
PT rev (1m)-0.99%
PT rev (3m)-1.96%
EPS NQ rev (1m)5.79%
EPS NQ rev (3m)15.13%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)-2.69%
Revenue NQ rev (1m)0.43%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)1.39%
Revenue NY rev (3m)1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.2 | ||
| Fwd PE | 15.81 | ||
| P/S | 1.54 | ||
| P/FCF | 9.24 | ||
| P/OCF | 9 | ||
| P/B | 0.85 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY5.49%
EPS(NY)1.85
Fwd EY6.33%
FCF(TTM)3.17
FCFY10.82%
OCF(TTM)3.26
OCFY11.11%
SpS19.05
BVpS34.28
TBVpS29.91
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 5.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.45% | ||
| GM | N/A | ||
| FCFM | 16.65% |
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-Score9
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.76 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 28.09% | ||
| Cap/Sales | 0.45% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 159.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC16.5%
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)-5.85%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%-30.95%
EPS Next Y-12.21%
EPS Next 2Y3.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.09%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%1.44%
Revenue Next Year2.55%
Revenue Next 2Y1.95%
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-70.21%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y-69.82%
OCF growth 3Y-29.01%
OCF growth 5YN/A