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Hilltop Holdings Inc. HTH R2K

Financial Services · Financial Conglomerates · United States
https://www.hilltop.com

Hilltop Holdings Inc. provides business and consumer banking services. The company operates through three segments: Banking, Broker-Dealer, and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking, and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, loans for purchasing and carrying securities, term, agricultural and commercial real estate, equipment loans, and other lending products; and mortgage, commercial and industrial loans, and term and construction finance. It provides treasury management, asset management, check cards, safe deposit boxes, online banking, bill pay, and overdraft privilege services; and estate planning, management and administration, investment portfolio management, employee benefit accounts, and individual retirement accounts services, as well as automated teller machines. The Broker-Dealer segment offers public finance services that assist public entities in originating, syndicating, and distributing securities of municipalities and political subdivisions; specialized advisory and investment banking services; advice and guidance to arbitrage rebate compliance, portfolio management, and local government investment pool administration; advisory services and products for derivatives and commodities; agricultural insurance; and sells, trades in, and underwrites U.S. government and government agency bonds, corporate bonds, and municipal bonds; mortgage-backed, asset-backed, and commercial mortgage-backed securities and structured products; and provides asset and liability management advisory, clearing, retail, and securities lending services. The Mortgage Origination segment offers fixed and adjustable rate mortgages, jumbo, new construction, Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture loans. Hilltop Holdings Inc. was incorporated in 1998 and is headquartered in Dallas, Texas.

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$37.72
+29.23% 1Y

Market & Price

Market Cap
$2.21B
Current Price
$37.72
High / Low (52W)
$39.60 / $28.58
Beta
0.89

Valuation

Stock P/E
14.34
Industry PE
12.01
Forward P/E
15.80
PEG Ratio
0.61
Book Value
$36.42
Price to Book
1.04
P/S
1.75
EV/EBITDA
-
Dividend Yield
2.01%

Profitability & Returns

ROCE
-
ROE
7.56%
ROA
1.06%
Profit Margin
12.76%
Op Margin
16.89%
EPS (Latest Qtr)
$0.64
EPS (TTM)
$2.63

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$2.71B
Total Assets
$15.84B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
32.07%
Chg in Prom Hold
-0.03%
FII / Inst Holding
58.37%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$3.18B
Total Revenue (TTM)
$1.26B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$-171.81M
Shares Outstanding
58.53M
Gross Margin
0.00%
Payout Ratio
28.14%

Growth (CAGR)

Revenue 5Y
-0.03%
Profit 5Y
13.54%
Revenue (YoY)
-3.40%
Earnings (YoY)
-1.50%

PROS

  • Profit CAGR of 13.5% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -0.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HTH Hilltop Holdings Inc. R2K 37.72 14.34 $2.21B 2.01% - 7.56% -0.03% 13.54%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------318.46M303.31M330.19M267.75M300.51M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------87.68M86.51M87.87M81.28M72.19M
Pretax Income -----------------------------------57.65M49.47M60.80M53.14M50.44M
Tax Provision -----------------------------------13.11M11.58M14.13M10.22M11.43M
Net Income 31.07M51.93M35.32M26.43M62.48M30.21M13.43M24.44M33.08M35.80M28.11M38.79M57.81M79.42M49.28M49.64M128.48M153.28M116.44M120.34M99.06M92.91M62.18M22.25M33.26M32.07M25.56M25.80M18.13M37.04M28.67M27.67M20.33M29.69M35.52M42.12M36.07M45.82M41.58M37.84M
Diluted EPS 0.320.530.360.270.630.310.140.250.350.380.300.410.620.860.540.551.421.701.351.461.211.150.780.280.450.500.390.400.280.570.440.420.310.460.550.650.570.740.690.64

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 128.84M131.74M152.19M----------1.22B1.13B1.12B1.22B
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------132.14M371.53M418.59M343.34M
Pretax Income -------------156.13M149.12M154.26M221.06M
Tax Provision -------------36.83M31.14M31.05M49.04M
Net Income -2.11M-548.00K-6.53M-5.59M125.34M111.65M210.97M145.89M132.54M121.44M225.29M447.84M-113.13M109.65M113.21M165.59M
Diluted EPS -0.22-0.24-0.12-0.101.401.172.091.481.361.282.445.01-1.601.691.742.64

Compounded Sales Growth

5 Years:-0.03%
1 Year:-3.40%

Compounded Profit Growth

5 Years:13.54%
1 Year:-1.50%

Stock Price Performance

1 Year:+29.23%
6 Months:+9.37%
3 Months:+1.30%
1 Month:+0.71%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --939.64M925.42M7.29B8.90B9.24B11.87B12.74B13.37B13.68B15.17B16.94B-16.26B16.47B16.27B15.84B
Current Assets ------------------
Cash & Equivalents 749.38M790.01M649.44M578.52M726.46M746.02M813.08M669.45M690.76M487.38M----1.58B1.86B2.30B1.23B
Inventory ------------------
Receivables --------------1.04B1.57B1.45B1.59B
Total Liabilities --286.59M270.04M6.14B7.59B7.78B10.13B10.86B11.45B11.71B13.04B14.59B-14.20B14.32B14.05B13.65B
Current Liabilities ------------------
Long Term Debt -------238.72M317.91M208.81M228.87M---346.65M347.14M347.67M148.59M
Total Debt --------------748.50M656.48M685.32M503.11M
Total Equity 791.46M783.78M653.05M655.38M1.14B1.31B1.46B1.74B1.87B1.91B1.95B2.10B2.32B-2.04B2.12B2.19B2.17B
Shares Outstanding --------------64.68M65.15M64.97M59.54M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ---35.74M-160.97M-320.72M389.54M-433.02M280.44M-1.19B443.02M273.93M-38.70M
Investing Cash Flow ---442.29M-493.56M-357.96M-289.67M-604.29M-827.67M--877.30M158.34M354.22M-364.85M
Financing Cash Flow ----621.66M698.23M480.88M4.63M901.64M1.26B--1.71B-332.51M-174.31M-714.24M
Capital Expenditure -----------9.80M-8.49M-7.13M-16.83M
Free Cash Flow ----------1.18B434.54M266.80M-55.53M
Net Change in Cash -----------1.40B268.85M453.85M-1.12B
Share Buybacks 1.30M--30.03M-27.39M58.99M73.39M208.66M123.63M442.34M5.10M19.86M184.03M
Dividends Paid -2.98M5.62M3.54M----------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -1.6%-0.4%-4.3%----------9.3%9.7%10.1%13.6%
ROE % -0.3%-0.1%-1.0%-0.5%9.6%7.6%12.1%7.8%6.9%6.2%10.7%19.3%-5.6%5.2%5.2%7.6%
ROCE % -----------------

Shareholding Pattern

Insiders
32.07%
Institutions
58.37%
Public Float
85.93%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.30% 6.61M $249.43M
2 Dimensional Fund Advisors LP 4.48% 2.62M $98.95M
3 State Street Corporation 4.31% 2.52M $95.13M
4 Vanguard Portfolio Management LLC 4.25% 2.49M $93.79M
5 Vanguard Capital Management LLC 3.03% 1.77M $66.87M
6 Geode Capital Management, LLC 1.79% 1.05M $39.52M
7 Charles Schwab Investment Management, Inc. 1.20% 704.61K $26.58M
8 Jacobs Levy Equity Management, Inc. 1.15% 670.91K $25.31M
9 Ameriprise Financial, Inc. 1.14% 667.99K $25.20M
10 Invesco Ltd. 1.06% 617.50K $23.29M

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