Hilltop Holdings Inc (HTH) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hilltop Holdings Inc stock (HTH) is currently trading at $35.34. Hilltop Holdings Inc PE ratio is 13.12. Hilltop Holdings Inc PS ratio (Price-to-Sales) is 1.67. Analyst consensus price target for HTH is $40.00. WallStSmart rates HTH as Moderate Buy.
- HTH PE ratio analysis and historical PE chart
- HTH PS ratio (Price-to-Sales) history and trend
- HTH intrinsic value — DCF, Graham Number, EPV models
- HTH stock price prediction 2025 2026 2027 2028 2029 2030
- HTH fair value vs current price
- HTH insider transactions and insider buying
- Is HTH undervalued or overvalued?
- Hilltop Holdings Inc financial analysis — revenue, earnings, cash flow
- HTH Piotroski F-Score and Altman Z-Score
- HTH analyst price target and Smart Rating
Hilltop Holdings Inc
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HTH Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hilltop Holdings Inc (HTH)
HTH trades at a significant discount to its Graham intrinsic value of $123.55, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hilltop Holdings Inc (HTH) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Hilltop Holdings Inc (HTH) Key Strengths (6)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Paying $1.67 for every $1 of annual revenue
Strong earnings growth at 25.70% per year
57.47% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Hilltop Holdings Inc (HTH) Areas to Watch (4)
Revenue growing slowly at 4.90% annually
Low profitability relative to shareholder equity
Decent operational efficiency, solid but not exceptional
Decent profitability, keeps $13 per $100 revenue
Hilltop Holdings Inc (HTH) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.5/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, Price/Sales. Valuation metrics including PEG Ratio (0.61), Price/Sales (1.67), Price/Book (0.95) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 25.70%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Operating Margin. Growth concerns include Revenue Growth at 4.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.79%, Operating Margin at 16.50%, Profit Margin at 13.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.79% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Book) and negatives (Revenue Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HTH Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HTH's Price-to-Sales ratio of 1.67x trades at a deep discount to its historical average of 35.81x (52th percentile). The current valuation is 100% below its historical high of 338.08x set in Mar 2007, and 209% above its historical low of 0.54x in Mar 2020.
Compare HTH with Competitors
Top FINANCIAL CONGLOMERATES stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Hilltop Holdings Inc (HTH) · FINANCIAL SERVICES › FINANCIAL CONGLOMERATES
The Big Picture
Hilltop Holdings Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.3B with 490% growth year-over-year. Profit margins of 13.0% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 490% YoY, reaching 1.3B. This pace significantly outperforms most FINANCIAL CONGLOMERATES peers.
ROE of 779.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -49M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can Hilltop Holdings Inc push profit margins above 15% as the business scales?
Growth sustainability: can Hilltop Holdings Inc maintain 490%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 207.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor FINANCIAL CONGLOMERATES industry trends, competitive moves, and regulatory changes that could impact Hilltop Holdings Inc.
Bottom Line
Hilltop Holdings Inc offers an attractive blend of growth (490% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(40 last 3 months)
| Insider | Type | Shares |
|---|---|---|
FEINBERG, HILL A Director | Sell | -1,500 |
| Insider | Type | Shares |
|---|---|---|
FORD, GERALD J 10% Owner | Sell | -259,771 |
| Insider | Type | Shares |
|---|---|---|
THOMPSON, STEVE B PrimeLending President and CEO | Sell | -9,025 |
| Insider | Type | Shares |
|---|---|---|
THOMPSON, STEVE B PrimeLending President and CEO | Sell | -2,468 |
Data sourced from SEC Form 4 filings
Last updated: 8:23:15 AM
About Hilltop Holdings Inc(HTH)
NYSE
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.