HILLTOP HOLDINGS INC (HTH)

US4327481010 - Common Stock

31.53  -0.54 (-1.68%)

After market: 31.53 0 (0%)

Fundamental Rating

2

Overall HTH gets a fundamental rating of 2 out of 10. We evaluated HTH against 402 industry peers in the Banks industry. Both the profitability and financial health of HTH have multiple concerns. HTH is valued expensive and it does not seem to be growing.



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2

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.
Of the past 5 years HTH 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of HTH (0.73%) is comparable to the rest of the industry.
The Return On Equity of HTH (5.33%) is worse than 75.87% of its industry peers.
Industry RankSector Rank
ROA 0.73%
ROE 5.33%
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's Profit Margin of 9.59% is on the low side compared to the rest of the industry. HTH is outperformed by 85.57% of its industry peers.
HTH's Profit Margin has been stable in the last couple of years.
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) 9.59%
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

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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
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 3.37. This is a good value and a sign of high solvency as HTH would need 3.37 years to pay back of all of its debts.
The Debt to FCF ratio of HTH (3.37) is comparable to the rest of the industry.
HTH has a Debt/Equity ratio of 0.62. This is a neutral value indicating HTH is somewhat dependend on debt financing.
The Debt to Equity ratio of HTH (0.62) is worse than 77.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 3.37
Altman-Z N/A
ROIC/WACCN/A
WACC13.49%

2.3 Liquidity

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

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1

3. Growth

3.1 Past

HTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.83%, which is quite good.
HTH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.76% yearly.
The Revenue has decreased by -2.63% in the past year.
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)10.83%
EPS 3Y-28.48%
EPS 5Y5.76%
EPS Q2Q%10.71%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y-17.31%
Revenue growth 5Y-1.86%
Sales Q2Q%-12.36%

3.2 Future

The Earnings Per Share is expected to decrease by -2.52% on average over the next years.
HTH is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.61% yearly.
EPS Next Y-17.83%
EPS Next 2Y-2.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-9.94%
Revenue Next 2Y-3.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.12, 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 76.87% of the companies in the same industry.
HTH is valuated rather cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 19.63, HTH is valued on the expensive side.
HTH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 77.11% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.22. HTH is around the same levels.
Industry RankSector Rank
PE 18.12
Fwd PE 19.63

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HTH is valued cheaper than 90.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.24
EV/EBITDA N/A

4.3 Compensation for Growth

A cheap valuation may be justified as HTH's earnings are expected to decrease with -2.52% in the coming years.
PEG (NY)N/A
PEG (5Y)3.14
EPS Next 2Y-2.52%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.07%.
Compared to an average industry Dividend Yield of 3.31, HTH is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.24, HTH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.07%

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

37.81% of the earnings are spent on dividend by HTH. This is a low number and sustainable payout ratio.
DP37.81%
EPS Next 2Y-2.52%
EPS Next 3YN/A

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HILLTOP HOLDINGS INC

NYSE:HTH (9/6/2024, 8:19:54 PM)

After market: 31.53 0 (0%)

31.53

-0.54 (-1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.06B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.07%
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 18.12
Fwd PE 19.63
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)3.14
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 5.33%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 9.59%
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 Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.62
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)
High Growth Momentum
Growth
EPS 1Y (TTM)10.83%
EPS 3Y-28.48%
EPS 5Y
EPS Q2Q%
EPS Next Y-17.83%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y-17.31%
Revenue growth 5Y
Sales 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