HILLTOP HOLDINGS INC(NYSE:HTH) stock Fundamental Analysis

Fundamental Rating

Overall HTH gets a fundamental rating of 2 out of 10. We evaluated HTH against 405 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. HTH has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year HTH was profitable.

In the past year HTH had a positive cash flow from operations.

HTH had positive earnings in each of the past 5 years.

HTH had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.70%, HTH perfoms like the industry average, outperforming 41.60% of the companies in the same industry.

Looking at the Return On Equity, with a value of 5.17%, HTH is doing worse than 73.93% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.7%
ROE	5.17%
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 (9.52%) than 84.71% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	9.52%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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 4.65. This is a neutral value as HTH would need 4.65 years to pay back of all of its debts.

HTH's Debt to FCF ratio of 4.65 is on the low side compared to the rest of the industry. HTH is outperformed by 61.90% of its industry peers.

HTH has a Debt/Equity ratio of 0.57. This is a neutral value indicating HTH is somewhat dependend on debt financing.

HTH has a Debt to Equity ratio of 0.57. This is in the lower half of the industry: HTH underperforms 78.45% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	4.65
Altman-Z	N/A

ROIC/WACCN/A

WACC15.91%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.96% over the past 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.

Looking at the last year, HTH shows a decrease in Revenue. The Revenue has decreased by -0.60% 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)2.96%

EPS 3Y-27.73%

EPS 5Y-6.46%

EPS Q2Q%25%

Revenue 1Y (TTM)-0.6%

Revenue growth 3Y-13.45%

Revenue growth 5Y-4.57%

Sales Q2Q%-5.16%

3.2 Future

HTH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.88% yearly.

The Revenue is expected to grow by 2.43% on average over the next years.

EPS Next Y-9.78%

EPS Next 2Y3.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.32%

Revenue Next 2Y2.43%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.90 indicates a rather expensive valuation of HTH.

75.69% of the companies in the same industry are cheaper than HTH, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.62, HTH is valued a bit cheaper.

A Price/Forward Earnings ratio of 19.84 indicates a rather expensive valuation of HTH.

HTH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTH is more expensive than 76.44% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.70. HTH is around the same levels.

		Industry Rank	Sector Rank
PE	17.9
Fwd PE	19.84

4.2 Price Multiples

HTH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HTH is cheaper than 84.71% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.58
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y3.88%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HTH has a Yearly Dividend Yield of 2.28%.

Compared to an average industry Dividend Yield of 3.19, HTH is paying slightly less dividend.

HTH's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.28%

5.2 History

On average, the dividend of HTH grows each year by 16.28%, 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)16.28%

Div Incr Years8

Div Non Decr Years8

5.3 Sustainability

39.09% 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.

DP39.09%

EPS Next 2Y3.88%

EPS Next 3YN/A

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HILLTOP HOLDINGS INC

NYSE:HTH (2/21/2025, 8:26:11 PM)

After market: 31.14 0 (0%)

31.14

-0.5 (-1.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-16 2025-04-16/amc

Inst Owners58.89%

Inst Owner Change-96.69%

Ins Owners29.57%

Ins Owner Change0.71%

Market Cap2.02B

Analysts47.27

Price Target34.68 (11.37%)

Short Float %2.09%

Short Ratio2.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.28%

Yearly Dividend0.68

Dividend Growth(5Y)16.28%

DP39.09%

Div Incr Years8

Div Non Decr Years8

Ex-Date02-13 2025-02-13 (0.18)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)59.21%

Min EPS beat(2)23.93%

Max EPS beat(2)94.48%

EPS beat(4)4

Avg EPS beat(4)50.17%

Min EPS beat(4)19.2%

Max EPS beat(4)94.48%

EPS beat(8)7

Avg EPS beat(8)32.28%

EPS beat(12)10

Avg EPS beat(12)34.26%

EPS beat(16)14

Avg EPS beat(16)32.03%

Revenue beat(2)1

Avg Revenue beat(2)-1.16%

Min Revenue beat(2)-2.85%

Max Revenue beat(2)0.53%

Revenue beat(4)1

Avg Revenue beat(4)-2.96%

Min Revenue beat(4)-6.34%

Max Revenue beat(4)0.53%

Revenue beat(8)2

Avg Revenue beat(8)14.5%

Revenue beat(12)6

Avg Revenue beat(12)71.56%

Revenue beat(16)10

Avg Revenue beat(16)138.66%

PT rev (1m)0%

PT rev (3m)2%

EPS NQ rev (1m)-0.24%

EPS NQ rev (3m)-7.63%

EPS NY rev (1m)0.93%

EPS NY rev (3m)-0.37%

Revenue NQ rev (1m)1.31%

Revenue NQ rev (3m)-2.56%

Revenue NY rev (1m)0.53%

Revenue NY rev (3m)0.59%

Valuation

		Industry Rank	Sector Rank
PE	17.9
Fwd PE	19.84
P/S	1.7
P/FCF	7.58
P/OCF	7.38
P/B	0.92
P/tB	1.06
EV/EBITDA	N/A

EPS(TTM)1.74

EY5.59%

EPS(NY)1.57

Fwd EY5.04%

FCF(TTM)4.11

FCFY13.19%

OCF(TTM)4.22

OCFY13.54%

SpS18.3

BVpS33.71

TBVpS29.41

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.7%
ROE	5.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	9.52%
GM	N/A
FCFM	22.44%

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-Score8

Asset Turnover0.07

Health

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	4.65
Debt/EBITDA	N/A
Cap/Depr	35.75%
Cap/Sales	0.6%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	235.66%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC15.91%

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)2.96%

EPS 3Y-27.73%

EPS 5Y-6.46%

EPS Q2Q%25%

EPS Next Y-9.78%

EPS Next 2Y3.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.6%

Revenue growth 3Y-13.45%

Revenue growth 5Y-4.57%

Sales Q2Q%-5.16%

Revenue Next Year1.32%

Revenue Next 2Y2.43%

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-38.6%

FCF growth 3Y-28.85%

FCF growth 5YN/A

OCF growth 1Y-38.17%

OCF growth 3Y-29.01%

OCF growth 5YN/A

HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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