WallStSmart

Hilltop Holdings Inc (HTH)vsOrix Corp Ads (IX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Orix Corp Ads generates 263381% more annual revenue ($3.33T vs $1.26B). IX leads profitability with a 13.4% profit margin vs 12.8%. HTH appears more attractively valued with a PEG of 0.61. IX earns a higher WallStSmart Score of 60/100 (C).

HTH

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 5.5Value: 7.0Quality: 5.3
Piotroski: 6/9

IX

Buy

60

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 5.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HTH3 strengths · Avg: 8.7/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.618/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

IX4 strengths · Avg: 9.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.38T10/10

Generating 1.4T in free cash flow

P/E RatioValuation
15.5x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
28.0%8/10

Revenue surging 28.0% year-over-year

Areas to Watch

HTH4 concerns · Avg: 2.3/10
Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Revenue GrowthGrowth
-3.4%2/10

Revenue declined 3.4%

EPS GrowthGrowth
-1.5%2/10

Earnings declined 1.5%

Free Cash FlowQuality
$-133.90M2/10

Negative free cash flow — burning cash

IX4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.463/10

Elevated debt levels

PEG RatioValuation
2.722/10

Expensive relative to growth rate

EPS GrowthGrowth
-25.7%2/10

Earnings declined 25.7%

Altman Z-ScoreHealth
1.212/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HTH

The strongest argument for HTH centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : IX

The strongest argument for IX centers on Price/Book, Free Cash Flow, P/E Ratio. Revenue growth of 28.0% demonstrates continued momentum.

Bear Case : HTH

The primary concerns for HTH are Return on Equity, Revenue Growth, EPS Growth.

Bear Case : IX

The primary concerns for IX are Debt/Equity, PEG Ratio, EPS Growth.

Key Dynamics to Monitor

HTH profiles as a declining stock while IX is a growth play — different risk/reward profiles.

HTH carries more volatility with a beta of 0.89 — expect wider price swings.

IX is growing revenue faster at 28.0% — sustainability is the question.

IX generates stronger free cash flow (1.4T), providing more financial flexibility.

Bottom Line

IX scores higher overall (60/100 vs 56/100) and 28.0% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Hilltop Holdings Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

Hilltop Holdings Inc. provides consumer and commercial banking and financial products and services. The company is headquartered in Dallas, Texas.

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Orix Corp Ads

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

ORIX Corporation offers diversified financial services in Japan, America, Asia, Europe, Australasia, the Middle East, and internationally. The company is headquartered in Tokyo, Japan.

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