WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Orix Corp Ads generates 272315% more annual revenue ($3.46T vs $1.27B). IX leads profitability with a 17.9% profit margin vs 12.7%. HTH appears more attractively valued with a PEG of 0.61. IX earns a higher WallStSmart Score of 72/100 (B).

HTH

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 5.5Value: 7.0Quality: 4.5
Piotroski: 6/9Altman Z: 0.07

IX

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 6.5Value: 5.7Quality: 5.0
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
14.4x8/10

Attractively priced relative to earnings

IX5 strengths · Avg: 9.2/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
170.6%10/10

Earnings expanding 170.6% YoY

Operating MarginProfitability
21.5%8/10

Strong operational efficiency at 21.5%

Revenue GrowthGrowth
17.4%8/10

17.4% revenue growth

Areas to Watch

HTH3 concerns · Avg: 2.3/10
Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Free Cash FlowQuality
$-164.09M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.072/10

Distress zone — elevated risk

IX3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.343/10

Elevated debt levels

PEG RatioValuation
2.722/10

Expensive relative to growth rate

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 P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 17.9% and operating margin at 21.5%. Revenue growth of 17.4% demonstrates continued momentum.

Bear Case : HTH

The primary concerns for HTH are Return on Equity, Free Cash Flow, Altman Z-Score.

Bear Case : IX

The primary concerns for IX are Debt/Equity, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

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

HTH carries more volatility with a beta of 0.87 — expect wider price swings.

IX is growing revenue faster at 17.4% — sustainability is the question.

Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IX scores higher overall (72/100 vs 66/100), backed by strong 17.9% margins and 17.4% revenue growth. Both earn "Strong Buy" and "Strong 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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