NYSE
HTH
Last Price
US $38.28
KEY FIGURES
MKT CAP
$2.2B
EPS
TTM
$2.73
PEG
TTM
0.43x
P/E
TTM
14.03x
P/S
TTM
1.42x
YIELD
1.99%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
7.42%
Return on equity
ROIC: 10.80%
Valuation History
14.5X
Price to Earnings
EV/EBITDA: 11.8X
Cash flow
Profit margin
-5.52%
(FY vs FY)
EBITDA Y/Y
-16.58%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $38.28
—
Default assumptions
EBITDA Multiple
Fair Value
Market $38.28
-21.08%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Hilltop Holdings Inc. cash flow to debt ratio of -8.44% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Hilltop Holdings Inc.'s free cash flow has decreased -135.64% from $266.80M last year to $-95.10M, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
Hilltop Holdings Inc.'s debt to equity ratio is 0.61, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Hilltop Holdings Inc.'s debt has decreased relative to shareholder equity from 0.62 last year to 0.61 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Hilltop Holdings Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Hilltop Holdings Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Hilltop Holdings Inc.'s profit margin has increased (37.95%) in the last year from 7.35% to 10.13%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Hilltop Holdings Inc.'s short-term liabilities of $5.07G exceed its short-term assets of $1.23G, signaling financial risk
Decreasing performance - ROA.
Hilltop Holdings Inc.'s return on assets of 1.03% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Hilltop Holdings Inc.'s return on equity of 7.42%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Hilltop Holdings Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Hilltop Holdings Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
Hilltop Holdings Inc. has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
Hilltop Holdings Inc. has negative free cash flow, indicating cash burn
Increasing performance - Healthy earnings growth.
Hilltop Holdings Inc.'s yearly earnings has increased 46.27% since last year from $113.21M to $165.59M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Hilltop Holdings Inc.'s yearly revenue has decreased -49.13% since last year from $1.54G to $784.05M, signaling decreasing performance
Increasing performance - ROIC.
ROIC 10.80% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Hilltop Holdings Inc.'s 3-year revenue CAGR of 6.30% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Hilltop Holdings Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Hilltop Holdings Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Hilltop Holdings Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Hilltop Holdings Inc. has an earnings yield of 7.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Hilltop Holdings Inc. is overvalued relative to its fair value price of 30.21 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Hilltop Holdings Inc. has an EV/EBITDA ratio of 8.17x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Hilltop Holdings Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Hilltop Holdings Inc. has a price-to-book ratio of 1.04x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Hilltop Holdings Inc. has a price-to-sales ratio of 1.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue