HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
USA - NYSE:HTH - US4327481010 - Common Stock
32.44 USD
-0.15 (-0.46%)
33.25 USD
+0.81 (+2.5%)
Overall HTH gets a fundamental rating of 3 out of 10. We evaluated HTH against 391 industry peers in the Banks industry. HTH may be in some trouble as it scores bad on both profitability and health. 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.
Each year in the past 5 years HTH has been profitable.
Each year in the past 5 years HTH had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.93%, HTH is in line with its industry, outperforming 56.52% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.52%, HTH is doing worse than 67.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 6.52% | ||
| 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 11.67%. This is in the lower half of the industry: HTH underperforms 79.54% 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) | 11.67% | ||
| 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.
The number of shares outstanding for HTH has been reduced compared to 5 years ago.
Compared to 1 year ago, HTH has an improved debt to assets ratio.
2.2 Solvency
HTH has a debt to FCF ratio of 2.32. This is a good value and a sign of high solvency as HTH would need 2.32 years to pay back of all of its debts.
HTH has a Debt to FCF ratio (2.32) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.43 indicates that HTH is not too dependend on debt financing.
HTH's Debt to Equity ratio of 0.43 is on the low side compared to the rest of the industry. HTH is outperformed by 75.19% of its industry peers.
Even though the debt/equity ratio score it not favorable for HTH, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 2.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for HTH have decreased by -1.15% in the last year.
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 3.67% 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)-1.15%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%35.48%
Revenue 1Y (TTM)3.67%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.78%
3.2 Future
The Earnings Per Share is expected to grow by 1.00% on average over the next years.
HTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.54% yearly.
EPS Next Y-6.16%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.44%
Revenue Next 2Y2.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.86 indicates a rather expensive valuation of HTH.
Based on the Price/Earnings ratio, HTH is valued a bit more expensive than 78.52% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.67. HTH is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 18.28 indicates a rather expensive valuation of HTH.
Based on the Price/Forward Earnings ratio, HTH is valued a bit more expensive than the industry average as 77.75% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.33. HTH is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.86 | ||
| Fwd PE | 18.28 |
4.2 Price Multiples
91.30% 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 | 5.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HTH has a Yearly Dividend Yield of 2.32%. Purely for dividend investing, there may be better candidates out there.
HTH's Dividend Yield is slightly below the industry average, which is at 3.55.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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
HTH pays out 31.56% 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.
DP31.56%
EPS Next 2Y1%
EPS Next 3YN/A
32.44
-0.15 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.62%
Inst Owner Change-0.02%
Ins Owners30.34%
Ins Owner Change1.83%
Market Cap2.04B
Revenue(TTM)1.23B
Net Income(TTM)143.40M
Analysts49.09
Price Target34 (4.81%)
Short Float %2.93%
Short Ratio2.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP31.56%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.62%
Min EPS beat(2)-1.11%
Max EPS beat(2)6.34%
EPS beat(4)3
Avg EPS beat(4)30.91%
Min EPS beat(4)-1.11%
Max EPS beat(4)94.48%
EPS beat(8)7
Avg EPS beat(8)29.12%
EPS beat(12)10
Avg EPS beat(12)36.27%
EPS beat(16)13
Avg EPS beat(16)28.89%
Revenue beat(2)2
Avg Revenue beat(2)1.59%
Min Revenue beat(2)0.74%
Max Revenue beat(2)2.45%
Revenue beat(4)3
Avg Revenue beat(4)0.22%
Min Revenue beat(4)-2.85%
Max Revenue beat(4)2.45%
Revenue beat(8)3
Avg Revenue beat(8)-1.72%
Revenue beat(12)6
Avg Revenue beat(12)35.72%
Revenue beat(16)10
Avg Revenue beat(16)93.1%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.59%
EPS NY rev (1m)-2.9%
EPS NY rev (3m)6.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.86 | ||
| Fwd PE | 18.28 | ||
| P/S | 1.66 | ||
| P/FCF | 5.03 | ||
| P/OCF | 4.99 | ||
| P/B | 0.93 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.72
EY5.3%
EPS(NY)1.78
Fwd EY5.47%
FCF(TTM)6.45
FCFY19.87%
OCF(TTM)6.5
OCFY20.04%
SpS19.5
BVpS34.9
TBVpS30.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number36.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 6.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11.67% | ||
| GM | N/A | ||
| FCFM | 33.06% |
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 | 0.43 | ||
| Debt/FCF | 2.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 17.81% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 283.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.93%
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)-1.15%
EPS 3Y-27.73%
EPS 5Y-6.46%
EPS Q2Q%35.48%
EPS Next Y-6.16%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.67%
Revenue growth 3Y-13.45%
Revenue growth 5Y-4.57%
Sales Q2Q%6.78%
Revenue Next Year4.44%
Revenue Next 2Y2.54%
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 1Y264.57%
FCF growth 3Y-28.85%
FCF growth 5YN/A
OCF growth 1Y240.79%
OCF growth 3Y-29.01%
OCF growth 5YN/A