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Hilltop Holdings Inc. HTH

Financial — Financial Conglomerates
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
15.38
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 — — 2 1 — 3 1 — 3 —
Insider Ownership
33.92%

Capital & Financial Ratios

Market Cap
2,210.00
Revenue
1,590.95
Net Income
166.57
Free Cash Flow
(109.33)
Net Debt
(1,537.71)
Current Ratio
1.07
Debt/Equity
0.00
P/E ratio
14.31
P/S ratio
1.41
P/B ratio
1.04
Past 5Y EPS Growth
(6.52%)
This Y EPS Growth
30.72%
Next Y EPS Growth
(2.06%)
Next 5Y EPS Growth
9.39%
in millions of $

Dividends

Payout Ratio
0.40
Annual Dividend Rate
0.63
Annual Dividend Yield
2.22%
total individual payouts
2027 ‡‡‡‡
2026 0.82
—
—
—
2025 0.72
—
—
—
—
2024 0.68
—
—
—
—
2023 0.64
—
—
—
—
2022 0.60
—
—
—
—
2021 0.48
—
—
—
—
2020 0.36
—
—
—
—
2019 0.32
—
—
—
—
2018 0.28
—
—
—
—
2017 0.24
—
—
—
—
2016 0.06
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 2,455.35 2,913.27 1,905.98 1,537.71
Receivables — — — —
Inventory — — — —
Other — — — —
12,941.46 13,073.74 12,665.42 12,844.08
2023 2024 2025 Q'26
Payables 11,063.19 11,065.32 10,878.08 10,514.05
ST’ Debt — — — —
Other — — — —
12,345.25 12,304.25 11,741.50 11,996.23
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 372.71 389.00 — —
—
’25 406.14 389.82 418.07 411.17
1,625.19
’24 391.23 400.45 411.49 404.18
1,607.35
’23 353.92 404.08 413.60 395.75
1,567.35
’22 335.97 374.41 363.45 349.76
1,423.58
’21 564.51 474.72 493.12 407.90
1,940.25
’20 416.59 603.06 632.54 584.79
2,236.98
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (127.27) (157.46) — —
—
’25 5.84 (234.60) 272.95 (82.89)
(38.70)
’24 70.85 (435.31) 515.58 122.81
273.93
’23 (108.46) (215.16) 503.53 263.11
443.02
’22 388.63 357.00 490.18 (46.36)
1,189.45
’21 313.82 (639.75) 1,199.49 (107.93)
765.62
’20 (582.77) 452.07 205.35 205.79
280.44
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (133.70) (155.85) — —
—
’25 53.27 (214.12) 271.86 (91.63)
19.38
’24 70.53 (432.27) 514.04 122.16
274.45
’23 (108.15) (217.08) 502.48 261.54
438.80
’22 388.10 354.78 487.41 (46.09)
1,184.19
’21 306.34 (645.71) 1,195.09 (90.50)
765.22
’20 (585.17) 451.06 204.35 193.97
264.20
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.64 0.63 — —
—
’25 0.65 0.57 0.74 0.69
2.64
’24 0.42 0.31 0.46 0.55
1.74
’23 0.40 0.28 0.57 0.44
1.69
’22 0.28 0.45 0.50 0.39
1.60
’21 1.46 1.21 1.15 0.78
4.61
’20 0.55 1.42 1.70 1.35
5.01

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

3
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24.18 26.78 28.35 26.67 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 38.23 35.66 35.45 36.14 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,170 3,820 3,646 3,550 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.34 0.41 0.44 0.46 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,423.58 1,567.35 1,607.35 1,625.19 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 90.72% 76.30% 73.96% 78.87% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 156.13 149.12 154.26 221.06 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.97% 9.51% 9.60% 13.60% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 119.29 117.98 123.21 172.02 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.63 19.63 19.95 15.71 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.21 24.10 24.71 25.92 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.61 1.69 1.74 2.64 ‡‡‡‡‡ ‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.89 6.81 4.21 (0.62) — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.07) (0.06) 0.01 0.93 ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.81 6.75 4.22 0.31 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.30 33.06 34.11 35.05 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 70.43 65.04 65.04 62.70 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.50 20.60 16.45 12.81 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.49 1.44 1.16 1.31 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.03 1.05 0.84 0.97 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.78 0.74 0.18 0.97 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.94 2.63 1.08 80.96 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,189.45 443.02 273.93 (38.70) ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5.25) (4.23) 0.52 58.08 — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,184.19 438.80 274.45 19.38 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (214.31) 596.21 769.49 923.92 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,447.00 — — — — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,006.26) (2,455.35) (2,913.27) (1,905.98) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,063.53 2,150.33 2,218.31 2,197.61 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.65% 0.67% 0.69% 1.03% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.23% 0.00% 0.00% 47.38% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 4.91% 5.20% 5.18% 7.50% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Hilltop Holdings Inc. (HTH), a diversified regional financial player anchored in mortgage banking and investment services, has weathered the Federal Reserve’s aggressive rate hikes with notable resilience, trading near analyst price targets amid sector turbulence. Revenues soared to $2.24 billion in 2020 on pandemic refinancing but plunged 27% to $1.42 billion in 2022 as mortgage rates doubled; recovery has been modest, with 2024 at $1.61 billion and projections dipping to $1.26 billion in 2026 before rebounding. Profitability echoes this volatility—EBT margins peaked at 25% in 2020 but stabilized at 9.6% in 2024—bolstered by sharp headcount reductions (down 32% since 2016) and aggressive share buybacks that lifted revenue per employee 36% and book value per share 79%.

The balance sheet stands as a fortress, with equity up 19% to $2.22 billion, a cash-rich negative net debt position, and ROE at 5.2% above regional bank medians post-2023 banking scares. Valuation metrics scream undervaluation: P/B at 0.84, P/E compressing to 16.5, and EV/FCF at 1.08, while recent insider buying—net 45,000 shares—outpaces sales, signaling confidence ahead of anticipated Fed easing.

Looking forward, HTH is poised for steady gains as rates soften to 3-4%, potentially reviving originations 20-30%, with EPS climbing to $2.40 by 2027 and 5-10% annualized returns through 2028. This cycle-tested “coiled spring” offers defensive appeal in a geopolitically volatile landscape, outperforming flashier fintechs—for those patient with methodical financials.

Read full commentary →

Hilltop Holdings Inc. (HTH) Latest News

News by impact score

Fine-tune

2 Sep

3 , 10:17 AM
Hilltop Holdings Inc. reported a 5.6% year-over-year rise in net interest income for the first half of 2026. Net interest income growth signals improved financial results that may lift near-term sentiment without major strategic shifts.

1 Aug

3 , 2:35 PM
Hilltop Holdings addressed top analyst questions from its Q2 earnings call, covering financial results, segment performance, and outlook. Q2 earnings call questions can highlight operational issues that moderately affect near-term investor views and stock movement.

28 Jul

3 , 12:00 PM
Hilltop Holdings (HTH) is positioned as a new strong buy stock on the basis of improving fundamentals, valuation metrics, and positive growth outlook. Analyst upgrade to strong buy can lift near-term investor sentiment and trading volume for HTH.

27 Jul

3 , 10:21 AM
Hilltop Holdings reported Q2 loan growth alongside broker-dealer strength, with capital actions shaping the outlook. Q2 loan growth and broker-dealer results point to moderate effects on Hilltop Holdings operations and sentiment.

26 Jul

3 , 2:08 AM
Hilltop Holdings beat Q2 earnings expectations and raised its dividend, raising questions about whether the stock remains fairly valued. Q2 earnings beat and dividend hike may lift short-term sentiment but lack power to reshape long-term trajectory.

25 Jul

3 , 7:08 PM
Hilltop Holdings Inc. (HTH) expands share buybacks and raises its dividend, pointing to a revised capital allocation strategy. Larger buybacks and dividend hikes can lift shareholder returns and short-term sentiment without shifting core operations or long-term trajectory.

24 Jul

3 , 5:00 PM
Hilltop Holdings Inc. (HTH) posted strong net income in Q2 2026 despite mortgage sector pressures, as detailed in its earnings call highlights. Q2 net income strength offers moderate positive signal for near-term performance amid mortgage challenges.

3 transcript www.marketbeat.com, 11:03 AM
Hilltop Holdings Inc. (HTH) Q2 earnings call highlighted financial results, operational updates, and outlook for the period. Q2 earnings figures provide direct insight into financial health that can shift near-term stock movement.

3 , 9:12 AM
Hilltop Holdings beats Q2 earnings expectations as revenues rise and credit costs fall. Q2 earnings beat with higher revenues and lower credit costs points to improved profitability that can lift near-term stock performance.

3 transcript app.moby.co, 8:30 AM
Hilltop Holdings Inc. held its Q2 2026 earnings call covering financial results, operational updates and forward outlook. Q2 earnings call supplies updated financial metrics that can shift near-term investor sentiment and valuation.

23 Jul

4 , 5:00 PM
Hilltop Holdings Inc. announced financial results for the second quarter of 2026. Quarterly earnings announcements typically drive notable shifts in investor sentiment and stock valuation for Hilltop Holdings Inc.

3 , 7:00 PM
Hilltop Holdings (HTH) Q2 earnings results are compared against analyst estimates across key financial metrics. Q2 earnings metrics versus estimates can moderately shift near-term investor sentiment and valuation.

3 , 5:13 PM
Hilltop Holdings Inc. (HTH) posted upbeat financial results for Q2 CY2026. Upbeat quarterly results signal improved financial performance likely to lift near-term investor sentiment.

27 Apr

3 www.marketbeat.com, 4:42 PM
Hilltop Holdings Inc. (HTH) released highlights from its Q1 earnings call, covering financial results, performance metrics, and forward guidance. Q1 earnings call highlights reveal quarterly financial performance and outlook, moderately influencing investor sentiment and stock trajectory.

25 Apr

4 GuruFocus.com, 3:03 AM
Hilltop Holdings Inc. (HTH) delivered strong net income in Q1 2026 earnings call, overcoming mortgage sector pressures. Strong Q1 net income despite mortgage challenges signals financial resilience and boosts investor outlook.

3 StockStory, 8:53 AM
Hilltop Holdings Inc. (HTH) Q1 results reveal mortgage headwinds and margin pressures limiting profit growth despite some upside potential. Mortgage headwinds and margin pressures noticeably affect HTH's Q1 financial performance but are balanced by other factors.

24 Apr

4 Zacks, 9:33 AM
Hilltop Holdings Inc. (HTH) beat Q1 earnings expectations with net interest income rising and provisions for credit losses plunging sharply. Q1 earnings beat driven by higher NII and lower provisions boosts profitability outlook and investor confidence significantly.

3 app.moby.co, 8:30 AM
Hilltop Holdings Inc. Q1 2026 earnings call summary covers quarterly financial results, operational updates, and forward guidance. Quarterly earnings summaries influence financial performance perceptions and short-term market sentiment without fundamentally altering long-term trajectory.

23 Apr

4 Zacks, 7:30 PM
Hilltop Holdings (HTH) Q1 earnings key metrics compared to estimates, highlighting performance against analyst expectations. Q1 earnings metrics versus estimates directly drive shifts in investor sentiment and HTH's market trajectory.

4 Zacks, 5:55 PM
Hilltop Holdings Inc. (HTH) reported Q1 earnings that surpassed analyst estimates. Q1 earnings surpassing estimates boosts investor sentiment and signals strong financial health, likely driving positive stock performance and future growth expectations.

3 StockStory, 5:02 PM
Hilltop Holdings (NYSE:HTH) reported sales below analyst estimates in Q1 CY2026 earnings. Sales below estimates in Q1 CY2026 directly impacts financial performance and investor sentiment moderately.

3 Business Wire, 4:45 PM
Hilltop Holdings Inc. announced its financial results for the first quarter of 2026. Quarterly financial results announcement affects key financial performance and market sentiment but represents routine reporting.

22 Apr

3 StockStory, 12:45 AM
Hilltop Holdings Inc. (HTH) earnings preview identifies key metrics for investors to monitor, including revenue growth, net interest margins, loan portfolio performance, and expense controls ahead of the upcoming report. Upcoming earnings results could moderately influence HTH's financial performance and investor sentiment.

16 Apr

3 , 10:00 AM
Hilltop Holdings Inc. (HTH) Q1 earnings expected to decline from prior year levels amid analyst previews highlighting potential profit pressures. Expected Q1 earnings decline directly influences financial performance outlook and short-term market sentiment.

27 Feb

3 StockStory, 5:11 AM
Hilltop Holdings (HTH) Q4 earnings spark buy, sell, or hold debate amid analysis of financial results, mortgage banking challenges, and PlainsCapital Bank growth. Q4 earnings reveal mixed results with mortgage declines offset by banking gains, moderately influencing HTH's valuation and investor outlook.

14 Feb

4 Simply Wall St.StockStory, 6:15 AM
Hilltop Holdings Inc. reported strong earnings and announced capital returns, prompting a reevaluation of its valuation. The company's financial performance has shown resilience, and the capital returns are expected to enhance shareholder value. Analysts are optimistic about the company's future prospects, considering its strategic initiatives and market positioning. Strong earnings and capital returns indicate significant strategic moves that could alter the company's trajectory.

11 Feb

4 Zacks, 9:15 AM
Hilltop Holdings Inc. (HTH) has reached a new high in its stock price, prompting discussions about its future potential for growth. Analysts are evaluating the company's performance and market conditions to determine if there is still room for further gains. Factors influencing this assessment include the company's financial health, market trends, and competitive positioning within the industry. The stock's new high indicates significant investor interest and potential strategic developments that could impact future performance.

6 Feb

3 Zacks, 12:00 PM
Hilltop Holdings Inc. (HTH) has seen a 4.93% increase in its stock price over the past week. This rise reflects positive market sentiment and potential investor confidence in the company's performance. Analysts are monitoring the stock for further developments that could influence its trajectory. The stock price increase indicates moderate investor interest but does not suggest a fundamental change in the company's overall performance.

4 Feb

3 Zacks, 9:40 AM
Hilltop Holdings Inc. (HTH) is being evaluated for its potential as a value investment. Analysts are considering the company's financial health, market position, and growth prospects. Factors such as recent performance metrics and industry trends are influencing investor sentiment. The discussion includes whether current stock prices reflect the company's intrinsic value and if it presents a buying opportunity for value investors. Current evaluations suggest moderate influence on financial performance and market sentiment.

2 Feb

4 StockStory, 11:34 PM
Hilltop Holdings Inc. (HTH) is highlighted as a small-cap stock with significant growth potential, driven by its strategic initiatives and market positioning. The company is noted for its strong financial performance and innovative approaches, making it an attractive investment opportunity. In contrast, two other stocks are deemed less favorable, suggesting a selective investment strategy in the current market landscape. Hilltop Holdings Inc. is positioned for significant growth due to its strategic initiatives and strong financial performance.
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