HILLTOP HOLDINGS INC (HTH) Fundamental Analysis & Valuation

NYSE:HTH • US4327481010

Current stock price

37.95 USD
+0.03 (+0.08%)
At close:
37.95 USD
0 (0%)
After Hours:

This HTH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. HTH Profitability Analysis

1.1 Basic Checks

  • HTH had positive earnings in the past year.
  • HTH had a negative 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.
HTH Yearly Net Income VS EBIT VS OCF VS FCFHTH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • HTH has a Return On Assets of 1.05%. This is comparable to the rest of the industry: HTH outperforms 59.04% of its industry peers.
  • HTH's Return On Equity of 7.64% is on the low side compared to the rest of the industry. HTH is outperformed by 67.02% of its industry peers.
Industry RankSector Rank
ROA 1.05%
ROE 7.64%
ROIC N/A
ROA(3y)0.8%
ROA(5y)1.02%
ROE(3y)5.99%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
HTH Yearly ROA, ROE, ROICHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • HTH's Profit Margin of 12.92% is on the low side compared to the rest of the industry. HTH is outperformed by 84.31% of its industry peers.
  • In the last couple of years the Profit Margin of HTH has declined.
  • 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) 12.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.84%
PM growth 5Y-9.41%
GM growth 3YN/A
GM growth 5YN/A
HTH Yearly Profit, Operating, Gross MarginsHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. HTH Health Analysis

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
  • HTH has less shares outstanding than it did 5 years ago.
  • HTH has a better debt/assets ratio than last year.
HTH Yearly Shares OutstandingHTH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
HTH Yearly Total Debt VS Total AssetsHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 0.40 indicates that HTH is not too dependend on debt financing.
  • HTH has a worse Debt to Equity ratio (0.40) than 72.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.34%
HTH Yearly LT Debt VS Equity VS FCFHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HTH Yearly Current Assets VS Current LiabilitesHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. HTH Growth Analysis

3.1 Past

  • HTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.99%, which is quite impressive.
  • Measured over the past years, HTH shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.27% on average per year.
  • Looking at the last year, HTH shows a small growth in Revenue. The Revenue has grown by 7.83% in the last year.
  • HTH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.53% yearly.
EPS 1Y (TTM)22.99%
EPS 3Y9.72%
EPS 5Y-14.27%
EPS Q2Q%25.45%
Revenue 1Y (TTM)7.83%
Revenue growth 3Y-0.25%
Revenue growth 5Y-9.53%
Sales Q2Q%6.68%

3.2 Future

  • HTH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.49% yearly.
  • The Revenue is expected to grow by 2.29% on average over the next years.
EPS Next Y-3.74%
EPS Next 2Y3.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.37%
Revenue Next 2Y2.29%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HTH Yearly Revenue VS EstimatesHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
HTH Yearly EPS VS EstimatesHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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1

4. HTH Valuation Analysis

4.1 Price/Earnings Ratio

  • HTH is valuated rather expensively with a Price/Earnings ratio of 17.73.
  • HTH's Price/Earnings ratio is rather expensive when compared to the industry. HTH is more expensive than 81.65% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of HTH to the average of the S&P500 Index (27.95), we can say HTH is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 18.42, 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 78.99% of the companies are valued more cheaply.
  • HTH is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.73
Fwd PE 18.42
HTH Price Earnings VS Forward Price EarningsHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HTH Per share dataHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.49%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. HTH Dividend Analysis

5.1 Amount

  • HTH has a Yearly Dividend Yield of 2.17%.
  • HTH's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, HTH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.17%

5.2 History

  • On average, the dividend of HTH grows each year by 14.19%, which is quite nice.
  • 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)14.19%
Div Incr Years9
Div Non Decr Years9
HTH Yearly Dividends per shareHTH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 27.42% 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.
DP27.42%
EPS Next 2Y3.49%
EPS Next 3YN/A
HTH Yearly Income VS Free CF VS DividendHTH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
HTH Dividend Payout.HTH Dividend Payout, showing the Payout Ratio.HTH Dividend Payout.PayoutRetained Earnings

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HTH Fundamentals: All Metrics, Ratios and Statistics

HILLTOP HOLDINGS INC

NYSE:HTH (4/20/2026, 8:06:32 PM)

After market: 37.95 0 (0%)

37.95

+0.03 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-24
Inst Owners57.1%
Inst Owner Change0.01%
Ins Owners32.28%
Ins Owner Change-3.76%
Market Cap2.26B
Revenue(TTM)1.28B
Net Income(TTM)165.59M
Analysts49.09
Price Target40.8 (7.51%)
Short Float %4.78%
Short Ratio4.56
Dividend
Industry RankSector Rank
Dividend Yield 2.17%
Yearly Dividend0.73
Dividend Growth(5Y)14.19%
DP27.42%
Div Incr Years9
Div Non Decr Years9
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)56.63%
Min EPS beat(2)49.53%
Max EPS beat(2)63.73%
EPS beat(4)3
Avg EPS beat(4)29.62%
Min EPS beat(4)-1.11%
Max EPS beat(4)63.73%
EPS beat(8)7
Avg EPS beat(8)39.9%
EPS beat(12)10
Avg EPS beat(12)31.4%
EPS beat(16)13
Avg EPS beat(16)33.1%
Revenue beat(2)2
Avg Revenue beat(2)1.05%
Min Revenue beat(2)0.82%
Max Revenue beat(2)1.29%
Revenue beat(4)4
Avg Revenue beat(4)1.32%
Min Revenue beat(4)0.74%
Max Revenue beat(4)2.45%
Revenue beat(8)5
Avg Revenue beat(8)-0.82%
Revenue beat(12)6
Avg Revenue beat(12)10.11%
Revenue beat(16)10
Avg Revenue beat(16)54%
PT rev (1m)3.45%
PT rev (3m)13.21%
EPS NQ rev (1m)3.16%
EPS NQ rev (3m)10.35%
EPS NY rev (1m)5.17%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 17.73
Fwd PE 18.42
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 1.04
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)2.14
EY5.64%
EPS(NY)2.06
Fwd EY5.43%
FCF(TTM)-0.93
FCFYN/A
OCF(TTM)-0.65
OCFYN/A
SpS21.56
BVpS36.47
TBVpS31.59
PEG (NY)N/A
PEG (5Y)N/A
Graham Number41.9075 (10.43%)
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 7.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.92%
GM N/A
FCFM N/A
ROA(3y)0.8%
ROA(5y)1.02%
ROE(3y)5.99%
ROE(5y)7.67%
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 3Y13.84%
PM growth 5Y-9.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 107.16%
Cap/Sales 1.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.34%
ROIC/WACCN/A
Cap/Depr(3y)62.05%
Cap/Depr(5y)63.4%
Cap/Sales(3y)0.87%
Cap/Sales(5y)0.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.99%
EPS 3Y9.72%
EPS 5Y-14.27%
EPS Q2Q%25.45%
EPS Next Y-3.74%
EPS Next 2Y3.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.83%
Revenue growth 3Y-0.25%
Revenue growth 5Y-9.53%
Sales Q2Q%6.68%
Revenue Next Year1.37%
Revenue Next 2Y2.29%
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-120.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-114.13%
OCF growth 3YN/A
OCF growth 5YN/A

HILLTOP HOLDINGS INC / HTH Fundamental Analysis 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 1 / 10 to HILLTOP HOLDINGS INC (HTH). This can be considered as Overvalued.


Can you provide the profitability details for HILLTOP HOLDINGS INC?

HILLTOP HOLDINGS INC (HTH) has a profitability rating of 2 / 10.


What is the earnings growth outlook for HILLTOP HOLDINGS INC?

The Earnings per Share (EPS) of HILLTOP HOLDINGS INC (HTH) is expected to decline by -3.74% in the next year.


How sustainable is the dividend of HILLTOP HOLDINGS INC (HTH) stock?

The dividend rating of HILLTOP HOLDINGS INC (HTH) is 5 / 10 and the dividend payout ratio is 27.42%.