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Hilltop Holdings Inc.

HTH Financial Financial Conglomerates

Hilltop Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, up 1.11% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 10.5% and free cash flow grew 27.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

36.38 0.30 −0.82%
Market cap
$2.1B
P/E
13.5×
Fwd P/E
15.7×
Dividend yield
2.20%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 15.38
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 — — 2 1 — 3 1 — 3 — —
Insider Ownership 33.92%

Capital & Financial Ratios $m

Market Cap 2,100.00
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 13.47
Fwd P/E 15.70
P/S ratio 1.32
P/B ratio 0.98
Past 5Y EPS Growth (12.03%) (below 0%: weak)
This Y EPS Growth 32.01% (at or above 15%: strong)
Next Y EPS Growth (3.60%) (below 0%: weak)
Next Y revenue growth (22.35%) (below 0%: weak)
Next 5Y EPS Growth 10.91%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 35.67%
10-year low 10-year high
P/S against its own 10 years 57.35%
10-year low 10-year high
P/B against its own 10 years 43.46%
10-year low 10-year high

Dividends

Payout Ratio 0.30
Annual Dividend Rate 0.80
Annual Dividend Yield 2.20%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.82
0.20
0.20
0.22
2025 0.72
0.18
0.18
0.18
0.18
2024 0.68
0.17
0.17
0.17
0.17
2023 0.64
0.16
0.16
0.16
0.16
2022 0.60
0.15
0.15
0.15
0.15
2021 0.48
0.12
0.12
0.12
0.12
2020 0.36
0.09
0.09
0.09
0.09
2019 0.32
0.08
0.08
0.08
0.08
2018 0.28
0.07
0.07
0.07
0.07
2017 0.24
0.06
0.06
0.06
0.06
2016 0.06
0.06
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,455 2,913 1,906 1,538
Receivables — — — —
Inventory — — — —
Other — — — —
12,941 13,074 12,665 12,844
2023 2024 2025 Q'26
Payables 11,063 11,065 10,878 10,514
ST’ Debt — — — —
Other — — — —
12,345 12,304 11,742 11,996

Compound Annual Growth %

10y 5y 3y
Sales (0.43%) (6.19%) 4.51%
Cash Flow 0.00% 0.00% 0.00%
Earnings (2.31%) (18.04%) 13.54%
Book Value 2.37% (1.34%) 2.12%

Revenue $m

Mar Jun Sep Dec Year
’26 373 389 — — —
’25 406 390 418 411 1,625
’24 391 400 411 404 1,607
’23 354 404 414 396 1,567
’22 336 374 363 350 1,424
’21 565 475 493 408 1,940
’20 417 603 633 585 2,237
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (127) (157) — — —
’25 6 (235) 273 (83) (39)
’24 71 (435) 516 123 274
’23 (108) (215) 504 263 443
’22 389 357 490 (46) 1,189
’21 314 (640) 1,199 (108) 766
’20 (583) 452 205 206 280
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (134) (156) — — —
’25 53 (214) 272 (92) 19
’24 71 (432) 514 122 274
’23 (108) (217) 502 262 439
’22 388 355 487 (46) 1,184
’21 306 (646) 1,195 (91) 765
’20 (585) 451 204 194 264
Fiscal quarters ending in the months shown.

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 14.28 21.47 16.43 16.71 11.05 26.73 24.18 26.78 28.35 26.67

Analyst estimates 2026–2028

Powerpack
High 30.24 30.60 28.32 26.28 28.02 39.60 38.23 35.66 35.45 36.14
People
People Employees 5,400 5,500 5,200 4,950 4,950 4,950 4,170 3,820 3,646 3,550
Revenue/emp, $m 0.32 0.31 0.28 0.34 0.45 0.39 0.34 0.41 0.44 0.46
Income, $m
Income, $m Revenue 1,743 1,712 1,455 1,674 2,237 1,940 1,424 1,567 1,607 1,625
Gross margin, % 96.65 95.01 90.29 89.74 94.53 94.49 90.72 76.30 73.96 78.87
EBT 231 243 155 283 564 504 156 149 154 221
EBT margin, % 13.28 14.21 10.66 16.89 25.23 25.98 10.97 9.51 9.60 13.60
Net income 148 133 126 233 470 386 119 118 123 172
Depreciation (50) (14) (5) (1) 22 25 33 20 20 16
Per share, $
Per share, $ Revenue 17.71 17.63 15.32 18.12 25.06 24.04 20.21 24.10 24.71 25.92
Earnings 1.48 1.36 1.28 2.44 5.02 4.64 1.61 1.69 1.74 2.64
Cash flow (1.64) (3.30) 4.10 (4.69) 3.14 9.49 16.89 6.81 4.21 (0.62)
Capex 0.32 0.01 (0.44) (0.30) (0.18) 0.00 (0.07) (0.06) 0.01 0.93
Free cash flow (1.32) (3.29) 3.66 (4.99) 2.96 9.48 16.81 6.75 4.22 0.31
Book value 19.05 19.71 20.78 23.05 26.33 31.59 29.30 33.06 34.11 35.05
Shares, m 98 97 95 92 89 81 70 65 65 63
Valuation, ×
Valuation, × P/E 20.18 18.66 13.93 10.22 5.48 7.61 18.50 20.60 16.45 12.81
P/S 1.70 1.44 1.16 1.38 1.10 1.46 1.49 1.44 1.16 1.31
P/B 1.58 1.29 0.86 1.08 1.04 1.11 1.03 1.05 0.84 0.97
EV/Sales 1.14 0.66 0.21 0.71 0.31 (0.35) (0.18) (0.08) (0.61) 0.18
EV/FCF (15.25) (3.53) 0.89 (2.57) 2.59 (0.90) (0.22) (0.28) (3.59) 14.92
Cash, $m
Cash, $m Operating cash flow (161) (321) 390 (433) 280 766 1,189 443 274 (39)
Capex 31 1 (42) (28) (16) 0 (5) (4) 1 58
Free cash flow (130) (320) 348 (461) 264 765 1,184 439 274 19
Balance, $m
Balance, $m Working capital 1,431 1,350 1,244 1,633 1,175 767 (214) 596 769 924
Total debt 67 67 67 67 67 453 463 — — —
Net debt (979) (1,338) (1,385) (1,116) (1,771) (3,590) (2,453) (2,455) (2,913) (1,906)
Shareholders’ equity 1,875 1,915 1,974 2,129 2,351 2,549 2,064 2,150 2,218 2,198
Returns, %
Returns, % ROA 1.19 1.02 0.90 1.56 2.79 2.10 0.65 0.67 0.69 1.03
ROIC 16.15 26.34 16.44 17.44 60.80 0.00 0.00 0.00 0.00 47.38
ROE 8.08 7.00 6.25 10.98 20.00 15.29 4.91 5.20 5.18 7.50
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Hilltop Holdings Inc. vs peers in Financial Conglomerates (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IX Orix Corp Ads $40.2B 10.6× — +19.77% (above 0%: growing) +201.50% (above 0%: growing) −154.50% (below 0%: shrinking) 44.45% 20.40% Compare
FRHC Freedom Holding Corp. $10.6B 68.9× 12.3× +39.80% (above 0%: growing) +1.96% (above 0%: growing) −197.00% (below 0%: shrinking) 95.19% 29.81% Compare
VOYA Voya Financial, Inc. $8.8B 15.7× 10.0× −4.29% (below 0%: shrinking) −41.42% (below 0%: shrinking) −32.21% (below 0%: shrinking) 56.49% 5.38% Compare
HTH Hilltop Holdings Inc. $2.1B 13.5× 15.7× −0.21% (below 0%: shrinking) +10.53% (above 0%: growing) +27.21% (above 0%: growing) 81.18% 0.00%
TREE LendingTree, Inc. $355.9M 1.9× 8.9× +25.31% (above 0%: growing) +6.15% (above 0%: growing) +3.14% (above 0%: growing) 96.40% 6.95% Compare
RILY BRC Group Holdings, Inc. $207.4M 0.4× — (loss-making) +6.13% (above 0%: growing) −89.11% (below 0%: shrinking) +30.61% (above 0%: growing) 74.60% 16.35% Compare
Median of peers $8.8B 10.6× 10.0× +19.77% +1.96% −32.21% 74.60% 16.35%

All 6 Financial Conglomerates stocks →

Hilltop Holdings Inc. (HTH) key facts

  • Strength: Hilltop Holdings Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.6 billion, up 1.11% from fiscal 2024.
  • Strength: Net income was $172.0 million, or $2.64 per share (basic), a net margin of 10.2%.
  • Hilltop Holdings Inc. (HTH) is a Financial Conglomerates company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 9, 2026, HTH traded at $36.38, a market capitalization of $2.1 billion.
  • At that price the stock trades at 13.5× trailing-twelve-month earnings and 1.3× sales; its P/E is higher than 36% of its own readings over the past ten years.
  • Hilltop Holdings Inc. pays an annual dividend of $0.80 per share, a yield of 2.20%, with a payout ratio of 29.6%.
  • Return on equity was 7.50% and debt-to-equity 0.00.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Hilltop Holdings Inc. (HTH) Latest News

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stockrow.com/HTH · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com