Hilltop Holdings Inc. (HTH) vs LendingTree, Inc. (TREE)

Hilltop Holdings Inc. and LendingTree, Inc. are both Financial Conglomerates companies. Hilltop Holdings Inc. is the larger, with a market value of $2.2B against $341.7M — 6.4× the size. LendingTree, Inc. trades at the lower P/E: 1.9× against 14.3×. LendingTree, Inc. grew revenue faster over the last twelve months: 25.3% against −1.28%. LendingTree, Inc. has the higher net margin (14.3% vs 10.2%) and the lower return on invested capital (10.8% vs 21.7%). Across the 20 metrics below, LendingTree, Inc. leads on 16 and Hilltop Holdings Inc. on 4.

Valuation

Metric HTH TREE Financial Conglomerates median
P/E 14.28 1.86 12.75
P/S 1.40 0.27 1.24
P/B 1.03 1.07 1.23
Price to free cash flow n/m 4.50 —
EV/EBITDA n/m 4.90 5.65
EV/Sales 0.72 0.49 1.04
Earnings yield 7.00% 53.74% 7.96%
Free cash flow yield (4.90%) 22.21% (2.60%)

Profitability

Metric HTH TREE Financial Conglomerates median
Gross margin 80.23% 96.41% 78.71%
Operating margin 0.00% 8.19% 16.22%
Net margin 10.17% 14.32% 12.25%
Free cash flow margin (6.87%) 6.02% (0.81%)
Return on equity 7.38% 82.78% 9.79%
Return on assets 1.03% 20.79% 2.35%
Return on invested capital 21.67% 10.82% 8.06%

Growth

Metric HTH TREE Financial Conglomerates median
Revenue growth (TTM) (1.28%) 25.29% 10.84%
EPS growth (last fiscal year) 51.72% 443.31% —
Revenue growth, 5-year CAGR (6.19%) 4.19% 2.19%
Net income growth, 5-year CAGR (18.04%) 0.00% 0.25%

Health

Metric HTH TREE Financial Conglomerates median
Debt to equity 0.00 1.22 1.10
Current ratio 1.07 1.85 1.51
Net debt to EBITDA 0.00 3.51 1.51

Dividend

Metric HTH TREE Financial Conglomerates median
Dividend yield 2.22% — —
Payout ratio 0.40 0.00 0.26

Size

Metric HTH TREE Financial Conglomerates median
Market cap 2.20b 341.72m 5.46b

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