HILLTOP HOLDINGS INC (HTH) Stock Fundamental Analysis
NYSE:HTH - New York Stock Exchange, Inc. - US4327481010 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to HTH. HTH was compared to 398 industry peers in the Banks industry. HTH has a bad profitability rating. Also its financial health evaluation is rather negative. HTH is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
HTH had positive earnings in the past year.
HTH had a positive operating cash flow in the past year.
In the past 5 years HTH has always 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 0.70%, HTH is in line with its industry, outperforming 40.70% of the companies in the same industry.
HTH has a worse Return On Equity (5.17%) than 74.12% of its industry peers.
| 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
The Profit Margin of HTH (9.52%) is worse than 84.17% 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) | 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
2. Health
2.1 Basic Checks
HTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
HTH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for HTH has been reduced compared to 5 years ago.
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 4.65, which is a neutral value as it means it would take HTH, 4.65 years of fcf income to pay off 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 66.33% 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 worse Debt to Equity ratio (0.57) than 78.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.57 | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.96%.
HTH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.46% yearly.
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
Based on estimates for the next years, HTH will show a small growth in Earnings Per Share. The EPS will grow by 3.14% on average per year.
HTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.19% yearly.
EPS Next Y-10.32%
EPS Next 2Y3.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
Revenue Next 2Y2.19%
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
HTH is valuated correctly with a Price/Earnings ratio of 16.54.
Based on the Price/Earnings ratio, HTH is valued a bit more expensive than the industry average as 75.63% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of HTH to the average of the S&P500 Index (28.33), we can say HTH is valued slightly cheaper.
With a Price/Forward Earnings ratio of 18.44, HTH is valued on the expensive side.
75.63% of the companies in the same industry are cheaper than HTH, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HTH to the average of the S&P500 Index (21.37), we can say HTH is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.54 | ||
| Fwd PE | 18.44 |
4.2 Price Multiples
HTH's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HTH is cheaper than 82.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.14%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HTH has a Yearly Dividend Yield of 2.51%.
HTH's Dividend Yield is slightly below the industry average, which is at 3.66.
HTH's Dividend Yield is comparable with the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
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.
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
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 2Y3.14%
EPS Next 3YN/A
28.78
+0.44 (+1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.89%
Inst Owner Change-0.04%
Ins Owners29.57%
Ins Owner Change1.36%
Market Cap1.87B
Analysts47.27
Price Target34.68 (20.5%)
Short Float %2.37%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.51% |
Yearly Dividend0.68
Dividend Growth(5Y)16.28%
DP39.09%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)0%
EPS NQ rev (1m)-13.39%
EPS NQ rev (3m)-13.6%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.54 | ||
| Fwd PE | 18.44 | ||
| P/S | 1.57 | ||
| P/FCF | 7 | ||
| P/OCF | 6.81 | ||
| P/B | 0.85 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.74
EY6.05%
EPS(NY)1.56
Fwd EY5.42%
FCF(TTM)4.11
FCFY14.29%
OCF(TTM)4.22
OCFY14.67%
SpS18.33
BVpS33.76
TBVpS29.45
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
WACC16.53%
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-10.32%
EPS Next 2Y3.14%
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 Year1.22%
Revenue Next 2Y2.19%
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