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Hilltop (HTH) Financials

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$34.39 -0.53 (-1.52%)
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Annual Income Statements for Hilltop

Annual Income Statements for Hilltop

This table shows Hilltop's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 106 209 146 133 121 225 448 374 113 110 113
Consolidated Net Income / (Loss)		 113 213 148 133 126 233 470 386 119 118 123
Net Income / (Loss) Continuing Operations		 113 213 148 133 121 219 431 386 119 118 123
Total Pre-Tax Income 		178 283 231 243 155 283 564 504 156 149 154
Total Revenue		 1,160 1,636 1,684 1,627 1,313 1,502 2,115 1,833 1,291 1,196 1,189
Net Interest Income / (Expense)		 361 409 398 422 433 439 424 423 459 467 418
Total Interest Income		 389 470 456 507 575 611 546 530 591 838 836
Loans and Leases Interest Income		 341 390 390 412 437 460 433 404 416 542 545
Investment Securities Interest Income		 41 74 62 83 120 134 106 119 130 191 195
Other Interest Income		 6.17 5.22 4.34 12 17 16 6.85 6.60 45 105 97
Total Interest Expense		 28 61 58 85 141 172 122 107 132 372 419
Deposits Interest Expense		 16 16 16 25 46 72 47 24 50 223 275
Short-Term Borrowings Interest Expense		 2.21 4.57 5.80 14 26 27 12 9.07 21 58 44
Long-Term Debt Interest Expense		 4.89 11 14 14 12 13 19 23 16 15 15
Federal Funds Purchased and Securities Sold Interest Expense		 3.98 30 23 32 57 60 43 51 39 65 73
Other Interest Expense		 0.80 0.72 0.74 0.68 0.63 0.55 2.19 0.38 6.13 9.87 12
Total Non-Interest Income		 799 1,228 1,287 1,205 880 1,063 1,690 1,410 832 729 771
Other Service Charges		 170 349 408 414 345 454 558 432 403 422 438
Net Realized & Unrealized Capital Gains on Investments		 390 600 607 538 445 505 1,001 826 302 172 190
Investment Banking Income		 75 116 116 110 90 104 131 152 127 134 143
Provision for Credit Losses		 17 13 41 14 5.09 7.21 96 -58 8.31 18 0.94
Total Non-Interest Expense		 965 1,340 1,412 1,369 1,153 1,212 1,454 1,387 1,127 1,028 1,034
Salaries and Employee Benefits		 491 766 834 817 757 845 1,060 1,007 774 678 687
Net Occupancy & Equipment Expense		 102 120 109 114 114 113 99 101 97 89 91
Other Operating Expenses		 232 355 380 344 282 254 295 280 256 261 255
Income Tax Expense		 66 71 83 110 34 64 133 118 37 31 31
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.91 1.61 2.05 0.60 4.29 7.69 22 12 6.16 8.33 10.00
Basic Earnings per Share		 $1.18 $2.10 $1.48 $1.36 $1.28 $2.44 $5.02 $4.64 $1.61 $1.69 $1.74
Weighted Average Basic Shares Outstanding		 89.71M 99.07M 98.40M 97.14M 94.97M 92.35M 89.28M 80.71M 70.43M 65.04M 65.04M
Diluted Earnings per Share		 $1.17 $2.09 $1.48 $1.36 $1.28 $2.44 $5.01 $4.61 $1.60 $1.69 $1.74
Weighted Average Diluted Shares Outstanding		 90.57M 99.96M 98.63M 97.35M 95.07M 92.39M 89.30M 81.17M 70.63M 65.05M 65.05M
Weighted Average Basic & Diluted Shares Outstanding		 89.80M 99.60M 98.60M 97.50M 94.90M 90.80M 82.19M 78.97M 64.70M 65.15M 64.86M
Cash Dividends to Common per Share		 - - $0.06 $0.24 $0.28 $0.32 $0.36 $0.48 $0.60 $0.64 $0.68

Quarterly Income Statements for Hilltop

This table shows Hilltop's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 32 26 26 18 37 29 28 20 30 36 42
Consolidated Net Income / (Loss)		 33 27 28 20 39 31 30 23 33 38 45
Net Income / (Loss) Continuing Operations		 33 27 28 20 39 31 30 23 33 38 45
Total Pre-Tax Income 		43 36 31 27 53 38 38 30 42 44 58
Total Revenue		 330 293 284 309 312 290 285 297 305 301 318
Net Interest Income / (Expense)		 123 123 122 118 116 111 104 104 105 105 105
Total Interest Income		 156 180 191 213 217 217 210 207 211 209 193
Loans and Leases Interest Income		 109 118 123 138 142 138 134 139 140 132 125
Investment Securities Interest Income		 33 40 46 48 47 50 49 48 48 50 43
Other Interest Income		 14 22 22 27 27 29 26 21 23 27 25
Total Interest Expense		 33 57 70 95 101 106 106 103 106 103 88
Deposits Interest Expense		 13 28 36 55 64 68 69 68 71 67 60
Short-Term Borrowings Interest Expense		 5.55 10 12 18 14 13 12 11 11 11 8.10
Long-Term Debt Interest Expense		 3.91 2.59 6.11 6.32 6.43 -3.41 3.59 6.05 5.98 -0.97 4.79
Federal Funds Purchased and Securities Sold Interest Expense		 11 9.30 15 16 16 17 22 19 18 14 15
Total Non-Interest Income		 207 170 162 191 197 179 182 193 200 196 213
Other Service Charges		 114 103 96 110 110 107 111 102 110 115 131
Net Realized & Unrealized Capital Gains on Investments		 58 36 40 49 47 36 40 58 48 44 45
Investment Banking Income		 35 31 27 32 40 36 30 33 42 38 37
Provision for Credit Losses		 -0.78 3.64 2.33 15 -0.04 1.27 -2.87 11 -1.27 -5.85 9.34
Total Non-Interest Expense		 289 253 250 267 260 251 250 256 264 263 251
Salaries and Employee Benefits		 200 168 168 177 173 160 166 170 178 173 176
Net Occupancy & Equipment Expense		 25 23 23 23 22 22 22 21 22 26 20
Other Operating Expenses		 63 62 60 67 65 69 62 65 64 64 55
Income Tax Expense		 9.25 9.64 3.63 7.17 13 7.13 8.57 6.66 9.54 6.29 13
Net Income / (Loss) Attributable to Noncontrolling Interest		 1.19 1.02 1.97 1.81 2.27 2.29 1.85 2.57 3.21 2.37 2.42
Basic Earnings per Share		 $0.50 $0.38 $0.40 $0.28 $0.57 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65
Weighted Average Basic Shares Outstanding		 64.55M 70.43M 64.90M 65.03M 65.11M 65.04M 65.20M 65.09M 64.93M 65.04M 64.61M
Diluted Earnings per Share		 $0.50 $0.37 $0.40 $0.28 $0.57 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65
Weighted Average Diluted Shares Outstanding		 64.67M 70.63M 64.95M 65.05M 65.11M 65.05M 65.21M 65.09M 64.95M 65.05M 64.62M
Weighted Average Basic & Diluted Shares Outstanding		 64.59M 64.70M 65.02M 65.09M 65.17M 65.15M 65.27M 64.95M 64.96M 64.86M 64.16M
Cash Dividends to Common per Share		 $0.15 - $0.16 $0.16 $0.16 - $0.17 $0.17 $0.17 - $0.18

Annual Cash Flow Statements for Hilltop

This table details how cash moves in and out of Hilltop's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 67 -144 44 -198 105 -136 711 1,692 -1,397 269 454
Net Cash From Operating Activities		 -91 36 -161 -321 390 -433 280 766 1,189 443 274
Net Cash From Continuing Operating Activities		 -91 36 -161 -321 396 -433 313 766 1,189 443 274
Net Income / (Loss) Continuing Operations		 113 213 148 133 126 233 470 386 119 118 123
Consolidated Net Income / (Loss)		 113 213 148 133 126 233 470 386 119 118 123
Provision For Loan Losses		 17 13 41 14 5.09 7.21 96 -58 8.31 18 0.94
Depreciation Expense		 -83 -83 -50 -14 -5.27 -1.48 22 25 33 20 20
Non-Cash Adjustments to Reconcile Net Income		 -151 -308 -245 177 327 -700 -818 1,042 930 318 39
Changes in Operating Assets and Liabilities, net		 13 202 -54 -631 -57 29 543 -629 99 -31 91
Net Cash From Investing Activities		 260 442 -494 -358 -290 -604 -828 -553 -877 158 354
Net Cash From Continuing Investing Activities		 260 442 -494 -358 -299 -623 -919 -553 -877 158 354
Purchase of Investment Securities		 -233 -473 -1,130 -780 -524 -1,009 -1,455 -1,243 -1,307 -164 -14
Sale and/or Maturity of Investments		 493 874 636 422 288 385 536 690 430 323 368
Net Cash From Financing Activities		 -101 -622 698 481 4.63 902 1,258 1,480 -1,710 -333 -174
Net Cash From Continuing Financing Activities		 -101 -622 698 481 4.63 902 1,258 1,480 -1,710 -333 -174
Net Change in Deposits		 -518 -601 153 857 196 600 2,125 1,555 -1,279 -202 -32
Issuance of Debt		 424 171 767 403 664 1,414 722 976 930 490 919
Repayment of Debt		 -2.64 -43 -218 -723 -787 -1,001 -1,326 -874 -863 -561 -984
Repurchase of Common Equity		 - -30 - -27 -59 -73 -209 -124 -442 -5.10 -20
Payment of Dividends		 -5.62 -3.54 -5.80 -23 -27 -30 -33 -39 -43 -42 -44
Other Financing Activities, Net		 1.72 -0.58 1.62 -5.82 17 -8.85 -23 -15 -12 -13 -13
Cash Interest Paid		 29 60 58 84 143 169 125 110 128 357 427
Cash Income Taxes Paid		 27 112 89 86 8.38 57 124 136 15 19 44

Quarterly Cash Flow Statements for Hilltop

This table details how cash moves in and out of Hilltop's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -17 -240 153 -165 -71 352 -135 -926 1,166 350 -579
Net Cash From Operating Activities		 490 -46 -108 -215 504 263 71 -435 516 123 5.84
Net Cash From Continuing Operating Activities		 490 -46 -108 -215 504 263 71 -435 516 123 5.84
Net Income / (Loss) Continuing Operations		 33 27 28 20 39 31 30 23 33 38 45
Consolidated Net Income / (Loss)		 33 27 28 20 39 31 30 23 33 38 45
Provision For Loan Losses		 -0.78 3.64 2.33 15 -0.04 1.27 -2.87 11 -1.27 -5.85 9.34
Depreciation Expense		 6.04 12 5.84 4.39 5.03 4.36 5.03 4.31 5.76 4.85 4.61
Non-Cash Adjustments to Reconcile Net Income		 438 86 -63 -284 273 392 -22 -512 549 24 -139
Changes in Operating Assets and Liabilities, net		 13 -175 -82 30 186 -165 62 39 -71 62 86
Net Cash From Investing Activities		 -130 -181 -142 -50 235 116 16 14 277 47 -27
Net Cash From Continuing Investing Activities		 -130 -181 -142 -50 235 116 16 14 277 47 -27
Purchase of Investment Securities		 -237 -271 -215 -161 155 57 -58 -93 174 -37 -144
Sale and/or Maturity of Investments		 107 90 73 111 80 59 74 107 103 85 117
Net Cash From Financing Activities		 -378 -12 404 101 -809 -28 -222 -505 373 179 -558
Net Cash From Continuing Financing Activities		 -378 -12 404 101 -809 -28 -222 -505 373 179 -558
Net Change in Deposits		 -486 18 -208 70 -34 -30 -189 -486 369 274 -230
Issuance of Debt		 345 209 748 232 -577 87 -6.81 4.42 18 904 118
Repayment of Debt		 -226 -227 -116 -188 -186 -71 0.00 - - -984 -397
Repurchase of Common Equity		 - - -4.50 - - -0.60 -9.94 -9.92 - - -33
Payment of Dividends		 -9.69 -9.51 -10 -10 -10 -10 -11 -11 -11 -11 -12
Other Financing Activities, Net		 -1.35 -2.58 -5.12 -3.16 -2.25 -2.44 -4.63 -2.24 -2.83 -2.96 -3.81
Cash Interest Paid		 27 59 64 97 92 105 109 107 103 108 88
Cash Income Taxes Paid		 8.12 0.13 -0.05 15 -0.69 4.98 0.37 10 0.94 33 -0.62

Annual Balance Sheets for Hilltop

This table presents Hilltop's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 9,242 11,867 12,738 13,366 13,684 15,172 16,944 18,689 16,259 16,467 16,268
Cash and Due from Banks		 782 652 669 487 644 434 1,063 2,823 1,580 1,859 2,299
Restricted Cash		 76 159 181 187 134 157 290 222 68 57 71
Federal Funds Sold		 31 17 21 0.41 0.40 0.39 0.39 0.39 0.65 0.65 0.65
Trading Account Securities		 1,109 2,859 3,100 3,754 3,447 4,153 5,337 5,043 4,390 3,860 3,607
Loans and Leases, Net of Allowance		 3,883 5,162 5,789 6,392 6,871 7,320 7,544 0.00 7,997 7,968 7,849
Loans and Leases		 3,920 5,208 5,843 6,456 6,930 7,381 7,693 - 8,093 8,080 7,951
Allowance for Loan and Lease Losses		 37 45 54 64 59 61 149 - 95 111 101
Premises and Equipment, Net		 207 201 190 178 237 210 212 204 185 169 148
Goodwill		 252 252 252 252 291 267 267 267 267 267 267
Intangible Assets		 60 55 45 36 38 27 20 15 11 8.46 6.63
Other Assets		 1,532 2,510 2,490 2,080 2,021 2,603 2,210 10,114 1,760 2,277 2,019
Total Liabilities & Shareholders' Equity		 9,242 11,867 12,738 13,366 13,684 15,172 16,944 18,689 16,259 16,467 16,268
Total Liabilities		 7,781 10,129 10,864 11,451 11,710 13,044 14,594 16,140 14,196 14,317 14,050
Non-Interest Bearing Deposits		 2,076 2,235 2,199 2,412 2,561 2,770 3,612 4,577 3,969 3,007 2,769
Interest Bearing Deposits		 4,294 4,717 4,864 5,566 5,975 6,263 7,630 8,241 7,347 8,056 8,297
Short-Term Debt		 942 2,286 2,764 2,494 2,361 3,030 2,064 2,337 1,937 2,331 2,166
Long-Term Debt		 124 306 385 276 296 323 449 388 347 347 348
Other Long-Term Liabilities		 346 585 650 703 517 659 838 597 597 576 471
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,461 1,738 1,875 1,915 1,974 2,129 2,351 2,549 2,064 2,150 2,218
Total Preferred & Common Equity		 1,460 1,737 1,871 1,912 1,949 2,103 2,324 2,523 2,037 2,123 2,190
Total Common Equity		 1,346 1,737 1,871 1,912 1,949 2,103 2,324 2,523 2,037 2,123 2,190
Common Stock		 1,392 1,578 1,574 1,527 1,491 1,446 1,319 1,275 1,046 1,055 1,053
Retained Earnings		 -46 155 296 385 467 645 987 1,257 1,124 1,189 1,249
Accumulated Other Comprehensive Income / (Loss)		 0.65 2.63 0.49 -0.39 -8.63 11 18 -10 -134 -122 -111
Other Equity Adjustments		 - 1.03 0.90 0.85 0.83 0.78 0.77 0.75 0.48 0.23 0.00
Noncontrolling Interest		 0.79 1.17 4.01 2.73 24 26 27 27 27 27 28

Quarterly Balance Sheets for Hilltop

This table presents Hilltop's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 16,615 17,029 17,138 16,397 16,210 15,620 15,926 15,813
Cash and Due from Banks		 1,778 1,764 1,585 1,514 1,710 798 1,962 1,703
Restricted Cash		 109 36 51 47 71 51 56 88
Federal Funds Sold		 0.66 0.74 0.65 3.65 0.65 5.65 3.65 0.65
Trading Account Securities		 4,265 4,381 4,548 4,043 3,863 4,309 3,717 3,732
Loans and Leases, Net of Allowance		 0.00 0.00 8,245 8,093 7,958 8,058 7,869 7,861
Loans and Leases		 - - 8,354 8,204 8,063 8,174 7,980 7,967
Allowance for Loan and Lease Losses		 - - 109 111 104 115 111 106
Premises and Equipment, Net		 191 180 177 172 166 162 158 144
Goodwill		 267 267 267 267 267 267 267 267
Intangible Assets		 12 11 9.77 9.08 7.94 7.43 7.00 6.38
Other Assets		 9,991 10,389 2,255 2,247 2,166 1,962 1,887 2,010
Total Liabilities & Shareholders' Equity		 16,615 17,029 17,138 16,397 16,210 15,620 15,926 15,813
Total Liabilities		 14,556 14,945 15,048 14,290 14,050 13,458 13,721 13,584
Non-Interest Bearing Deposits		 4,547 3,808 3,451 3,200 3,029 2,845 2,832 2,860
Interest Bearing Deposits		 6,805 7,289 7,713 7,903 7,856 7,528 7,960 7,972
Short-Term Debt		 2,118 2,956 2,935 2,251 2,329 2,183 2,025 2,152
Long-Term Debt		 390 376 365 347 347 347 348 198
Other Long-Term Liabilities		 696 516 584 589 490 554 557 402
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,059 2,084 2,090 2,107 2,159 2,163 2,206 2,229
Total Preferred & Common Equity		 2,032 2,057 2,064 2,080 2,132 2,134 2,177 2,200
Total Common Equity		 2,032 2,057 2,064 2,080 2,132 2,134 2,177 2,200
Common Stock		 1,044 1,045 1,050 1,053 1,050 1,048 1,051 1,038
Retained Earnings		 1,108 1,137 1,145 1,171 1,201 1,205 1,224 1,263
Accumulated Other Comprehensive Income / (Loss)		 -120 -125 -132 -145 -120 -119 -98 -101
Noncontrolling Interest		 27 27 27 27 28 28 29 29

Annual Metrics And Ratios for Hilltop

This table displays calculated financial ratios and metrics derived from Hilltop's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.24% 41.00% 2.95% -3.42% -19.26% 14.34% 40.81% -13.31% -29.56% -7.40% -0.59%
EBITDA Growth		 -33.92% 110.92% -9.24% 26.30% -34.73% 87.80% 108.48% -9.82% -64.30% -10.60% 3.23%
EBIT Growth		 -9.74% 59.12% -18.37% 5.13% -36.28% 82.37% 99.63% -10.68% -69.03% -4.49% 3.45%
NOPAT Growth		 -11.17% 88.86% -30.41% -10.00% -9.28% 81.30% 96.94% -10.48% -69.10% -1.10% 4.43%
Net Income Growth		 -11.17% 88.86% -30.41% -10.00% -5.57% 85.30% 101.60% -17.80% -69.10% -1.10% 4.43%
EPS Growth		 -16.43% 78.63% -29.19% -8.11% -5.88% 90.63% 105.33% -7.98% -65.29% 5.63% 2.96%
Operating Cash Flow Growth		 -123.04% 139.09% -550.42% -99.24% 221.46% -211.16% 164.76% 173.01% 55.36% -62.75% -38.17%
Free Cash Flow Firm Growth		 -203.27% -213.61% 65.64% 186.46% -62.98% -461.43% 265.96% -102.28% 4,471.44% -134.74% 160.39%
Invested Capital Growth		 32.49% 71.35% 16.04% -6.75% -1.16% 18.38% -11.27% 8.43% -17.58% 11.08% -2.00%
Revenue Q/Q Growth		 3.04% 4.53% 2.25% -0.86% -12.56% 12.25% 9.35% -8.31% -6.91% -0.25% 0.92%
EBITDA Q/Q Growth		 17.88% -7.86% 14.88% 10.33% -20.48% 15.03% 21.22% -11.92% -18.59% -3.53% 3.91%
EBIT Q/Q Growth		 3.06% -6.95% 9.40% 5.15% -17.25% 10.53% 20.70% -12.34% -24.00% 1.27% 4.10%
NOPAT Q/Q Growth		 2.21% -5.45% 10.71% -14.10% 9.96% 10.87% 19.73% -11.94% -24.26% 3.86% 5.95%
Net Income Q/Q Growth		 2.21% -5.45% 10.71% -14.10% 14.46% 10.50% 17.27% -12.68% -24.26% 3.86% 5.95%
EPS Q/Q Growth		 0.86% -6.28% 10.45% -12.82% 13.27% 11.42% 18.72% -10.66% -20.79% 4.32% 6.75%
Operating Cash Flow Q/Q Growth		 20.89% 183.00% 20.78% 20.30% -18.87% -4.65% 122.29% -29.07% 5.46% 231.74% -33.87%
Free Cash Flow Firm Q/Q Growth		 23.74% 25.07% -247.45% 227.71% -66.16% -65.14% 29.16% -108.28% 42.97% -1,437.37% -9.58%
Invested Capital Q/Q Growth		 -4.16% -13.12% 5.84% -11.13% -4.81% 0.68% -2.58% 2.56% -4.84% 2.62% 3.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 8.18% 12.23% 10.78% 14.10% 11.40% 18.73% 27.72% 28.84% 14.62% 14.11% 14.65%
EBIT Margin		 15.35% 17.33% 13.74% 14.95% 11.80% 18.82% 26.69% 27.50% 12.09% 12.47% 12.98%
Profit (Net Income) Margin		 9.70% 12.99% 8.78% 8.18% 9.57% 15.51% 22.21% 21.06% 9.24% 9.87% 10.36%
Tax Burden Percent		 63.18% 74.99% 63.93% 54.73% 81.11% 82.41% 83.22% 76.60% 76.41% 79.12% 79.87%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.82% 25.01% 36.07% 45.27% 22.08% 22.54% 23.58% 23.40% 23.59% 20.88% 20.13%
Return on Invested Capital (ROIC)		 5.08% 6.20% 3.16% 2.74% 2.59% 4.33% 8.34% 7.62% 2.48% 2.57% 2.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.08% 6.20% 3.16% 2.74% 2.78% 4.80% 9.65% 7.62% 2.48% 2.57% 2.58%
Return on Net Nonoperating Assets (RNNOA)		 3.04% 7.09% 5.03% 4.28% 3.87% 7.03% 12.63% 8.14% 2.69% 3.03% 3.06%
Return on Equity (ROE)		 8.12% 13.29% 8.19% 7.03% 6.47% 11.36% 20.97% 15.76% 5.17% 5.60% 5.64%
Cash Return on Invested Capital (CROIC)		 -22.87% -46.39% -11.68% 9.73% 3.76% -12.50% 20.28% -0.47% 21.75% -7.93% 4.59%
Operating Return on Assets (OROA)		 1.96% 2.69% 1.88% 1.86% 1.15% 1.96% 3.51% 2.83% 0.89% 0.91% 0.94%
Return on Assets (ROA)		 1.24% 2.01% 1.20% 1.02% 0.93% 1.61% 2.92% 2.17% 0.68% 0.72% 0.75%
Return on Common Equity (ROCE)		 7.45% 12.81% 8.18% 7.01% 6.42% 11.22% 20.72% 15.59% 5.11% 5.53% 5.57%
Return on Equity Simple (ROE_SIMPLE)		 7.71% 12.24% 7.91% 6.96% 6.45% 11.08% 20.21% 15.31% 5.86% 5.56% 5.63%
Net Operating Profit after Tax (NOPAT)		 113 213 148 133 121 219 431 386 119 118 123
NOPAT Margin		 9.70% 12.99% 8.78% 8.18% 9.20% 14.58% 20.40% 21.06% 9.24% 9.87% 10.36%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% -0.18% -0.47% -1.31% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.05% 54.12% 56.01% 57.22% 66.33% 63.79% 54.81% 60.43% 67.43% 64.19% 65.48%
Operating Expenses to Revenue		 83.19% 81.90% 83.85% 84.17% 87.81% 80.70% 68.75% 75.68% 87.27% 85.99% 86.94%
Earnings before Interest and Taxes (EBIT)		 178 283 231 243 155 283 564 504 156 149 154
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 95 200 182 229 150 281 586 529 189 169 174
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.17 0.96 1.38 1.12 0.77 1.00 0.99 1.03 0.91 1.05 0.84
Price to Tangible Book Value (P/TBV)		 1.52 1.16 1.63 1.32 0.93 1.16 1.13 1.16 1.05 1.21 0.97
Price to Revenue (P/Rev)		 1.35 1.02 1.53 1.32 1.15 1.40 1.09 1.42 1.43 1.87 1.56
Price to Earnings (P/E)		 14.84 7.94 17.63 16.21 12.44 9.33 5.13 6.96 16.33 20.36 16.33
Dividend Yield		 0.00% 0.00% 0.23% 1.07% 1.75% 1.41% 1.41% 1.45% 2.62% 1.87% 2.39%
Earnings Yield		 6.74% 12.59% 5.67% 6.17% 8.04% 10.71% 19.47% 14.37% 6.12% 4.91% 6.12%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.79 0.97 0.91 0.74 0.89 0.72 0.44 0.58 0.63 0.43
Enterprise Value to Revenue (EV/Rev)		 1.61 2.09 2.88 2.61 2.60 3.26 1.65 1.26 1.94 2.53 1.70
Enterprise Value to EBITDA (EV/EBITDA)		 19.64 17.12 26.72 18.51 22.79 17.39 5.95 4.37 13.29 17.90 11.60
Enterprise Value to EBIT (EV/EBIT)		 10.46 12.08 20.97 17.46 22.02 17.30 6.18 4.59 16.07 20.26 13.10
Enterprise Value to NOPAT (EV/NOPAT)		 16.55 16.11 32.81 31.90 28.26 22.33 8.08 5.99 21.04 25.61 16.40
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 95.85 0.00 0.00 8.76 0.00 12.43 3.02 2.11 6.82 7.38
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 8.99 19.52 0.00 3.32 0.00 2.40 0.00 9.20
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.73 1.49 1.68 1.45 1.35 1.58 1.07 1.07 1.11 1.25 1.13
Long-Term Debt to Equity		 0.08 0.18 0.21 0.14 0.15 0.15 0.19 0.15 0.17 0.16 0.16
Financial Leverage		 0.60 1.14 1.59 1.56 1.40 1.46 1.31 1.07 1.09 1.18 1.19
Leverage Ratio		 6.54 6.60 6.81 6.89 6.96 7.03 7.17 7.27 7.58 7.77 7.49
Compound Leverage Factor		 6.54 6.60 6.81 6.89 6.96 7.03 7.17 7.27 7.58 7.77 7.49
Debt to Total Capital		 42.17% 59.85% 62.69% 59.13% 57.37% 61.16% 51.67% 51.66% 52.53% 55.46% 53.12%
Short-Term Debt to Total Capital		 37.27% 52.79% 55.03% 53.24% 50.98% 55.27% 42.44% 44.31% 44.55% 48.27% 45.77%
Long-Term Debt to Total Capital		 4.90% 7.06% 7.66% 5.89% 6.39% 5.90% 9.23% 7.36% 7.98% 7.19% 7.35%
Preferred Equity to Total Capital		 4.51% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.03% 0.03% 0.08% 0.06% 0.53% 0.47% 0.55% 0.50% 0.61% 0.57% 0.60%
Common Equity to Total Capital		 53.29% 40.12% 37.23% 40.82% 42.10% 38.37% 47.78% 47.83% 46.86% 43.97% 46.28%
Debt to EBITDA		 11.23 12.95 17.34 12.07 17.74 11.92 4.29 5.15 12.10 15.87 14.43
Net Debt to EBITDA		 1.86 8.81 12.54 9.14 12.54 9.82 1.98 -0.61 3.37 4.51 0.82
Long-Term Debt to EBITDA		 1.30 1.53 2.12 1.20 1.98 1.15 0.77 0.73 1.84 2.06 2.00
Debt to NOPAT		 9.47 12.19 21.29 20.80 21.99 15.31 5.83 7.06 19.14 22.70 20.40
Net Debt to NOPAT		 1.57 8.30 15.39 15.74 15.55 12.61 2.69 -0.83 5.33 6.45 1.16
Long-Term Debt to NOPAT		 1.10 1.44 2.60 2.07 2.45 1.48 1.04 1.00 2.91 2.94 2.82
Noncontrolling Interest Sharing Ratio		 8.28% 3.63% 0.14% 0.18% 0.70% 1.22% 1.17% 1.09% 1.15% 1.28% 1.28%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -507 -1,590 -546 472 175 -632 1,049 -24 1,046 -364 220
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -18.35 -25.96 -9.35 5.53 1.24 -3.68 8.58 -0.22 7.92 -0.98 0.52
Operating Cash Flow to Interest Expense		 -3.31 0.58 -2.76 -3.76 2.76 -2.52 2.29 7.16 9.00 1.19 0.65
Operating Cash Flow Less CapEx to Interest Expense		 -3.31 0.58 -2.76 -3.76 2.76 -2.52 2.29 7.16 9.00 1.19 0.65
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.13 0.16 0.14 0.12 0.10 0.10 0.13 0.10 0.07 0.07 0.07
Fixed Asset Turnover		 5.69 8.03 8.62 8.84 6.33 6.71 10.02 8.81 6.63 6.76 7.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,527 4,330 5,024 4,685 4,631 5,482 4,864 5,274 4,347 4,828 4,732
Invested Capital Turnover		 0.52 0.48 0.36 0.34 0.28 0.30 0.41 0.36 0.27 0.26 0.25
Increase / (Decrease) in Invested Capital		 620 1,803 694 -339 -54 851 -618 410 -927 482 -96
Enterprise Value (EV)		 1,863 3,425 4,854 4,247 3,413 4,890 3,486 2,312 2,509 3,021 2,021
Market Capitalization		 1,572 1,661 2,572 2,148 1,511 2,103 2,300 2,607 1,847 2,233 1,849
Book Value per Share		 $14.93 $17.56 $18.98 $19.94 $20.61 $22.67 $25.75 $31.95 $31.54 $32.58 $33.71
Tangible Book Value per Share		 $11.47 $14.46 $15.97 $16.93 $17.13 $19.50 $22.56 $28.37 $27.22 $28.34 $29.49
Total Capital		 2,527 4,330 5,024 4,685 4,631 5,482 4,864 5,274 4,347 4,828 4,732
Total Debt		 1,065 2,591 3,149 2,770 2,657 3,353 2,513 2,725 2,283 2,678 2,514
Total Long-Term Debt		 124 306 385 276 296 323 449 388 347 347 348
Net Debt		 176 1,763 2,278 2,096 1,878 2,761 1,160 -321 635 761 143
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 -4.94 -14 -38 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,065 2,591 3,149 2,770 2,657 3,353 2,513 2,725 2,283 2,678 2,514
Total Depreciation and Amortization (D&A)		 -83 -83 -50 -14 -5.27 -1.48 22 25 33 20 20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.18 $2.10 $1.48 $1.36 $1.28 $2.44 $5.02 $4.64 $1.61 $1.69 $1.74
Adjusted Weighted Average Basic Shares Outstanding		 89.71M 99.07M 98.40M 97.14M 94.97M 92.35M 89.28M 80.71M 70.43M 65.04M 65.04M
Adjusted Diluted Earnings per Share		 $1.17 $2.09 $1.48 $1.36 $1.28 $2.44 $5.01 $4.61 $1.60 $1.69 $1.74
Adjusted Weighted Average Diluted Shares Outstanding		 90.57M 99.96M 98.63M 97.35M 95.07M 92.39M 89.30M 81.17M 70.63M 65.05M 65.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.44 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 100.30M 98.09M 98.57M 95.99M 93.61M 90.80M 82.19M 78.97M 64.70M 65.15M 64.86M
Normalized Net Operating Profit after Tax (NOPAT)		 113 213 148 133 121 219 431 386 119 118 123
Normalized NOPAT Margin		 9.70% 12.99% 8.78% 8.18% 9.20% 14.58% 20.40% 21.06% 9.24% 9.87% 10.36%
Pre Tax Income Margin		 15.35% 17.33% 13.74% 14.95% 11.80% 18.82% 26.69% 27.50% 12.09% 12.47% 12.98%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.45 4.63 3.96 2.85 1.10 1.65 4.61 4.71 1.18 0.40 0.37
NOPAT to Interest Expense		 4.07 3.47 2.53 1.56 0.85 1.28 3.53 3.61 0.90 0.32 0.29
EBIT Less CapEx to Interest Expense		 6.45 4.63 3.96 2.85 1.10 1.65 4.61 4.71 1.18 0.40 0.37
NOPAT Less CapEx to Interest Expense		 4.07 3.47 2.53 1.56 0.85 1.28 3.53 3.61 0.90 0.32 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 4.99% 1.66% 3.92% 17.38% 21.23% 12.72% 6.92% 10.10% 36.01% 35.26% 35.92%
Augmented Payout Ratio		 4.99% 15.79% 3.92% 37.95% 68.15% 44.22% 51.35% 42.12% 406.81% 39.59% 52.04%

Quarterly Metrics And Ratios for Hilltop

This table displays calculated financial ratios and metrics derived from Hilltop's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -30.14% -24.65% -10.18% -12.07% -5.44% -1.03% 0.37% -3.87% -2.24% 3.75% 11.65%
EBITDA Growth		 -63.10% -46.99% -1.12% -41.58% 18.58% -12.71% 15.77% 7.53% -16.25% 15.46% 44.39%
EBIT Growth		 -65.63% -57.64% 4.82% -42.88% 23.57% 5.17% 21.30% 9.05% -19.19% 15.95% 51.35%
NOPAT Growth		 -65.15% -58.98% 15.03% -43.56% 18.21% 16.49% 6.32% 14.85% -16.30% 22.36% 50.84%
Net Income Growth		 -65.15% -58.98% 15.03% -43.56% 18.21% 16.49% 6.32% 14.85% -16.30% 22.36% 50.84%
EPS Growth		 -56.52% -53.16% 42.86% -37.78% 14.00% 18.92% 5.00% 10.71% -19.30% 25.00% 54.76%
Operating Cash Flow Growth		 -59.13% 57.05% -127.91% -160.27% 2.72% 667.51% 165.32% -102.31% 2.39% -53.32% -91.76%
Free Cash Flow Firm Growth		 1,225.49% 376.25% -729.96% -201.68% -116.12% -147.24% 326.31% 161.78% 262.81% 129.79% -50.58%
Invested Capital Growth		 -11.17% -17.58% 5.81% 28.19% 3.00% 11.08% -10.72% -12.94% -2.69% -2.00% -5.31%
Revenue Q/Q Growth		 -5.94% -11.27% -3.08% 8.70% 1.16% -7.13% -1.71% 4.11% 2.87% -1.44% 5.77%
EBITDA Q/Q Growth		 -9.97% 0.20% -23.43% -15.43% 82.75% -26.23% 1.55% -21.44% 42.33% 1.69% 26.99%
EBIT Q/Q Growth		 -10.43% -14.78% -13.31% -13.67% 93.77% -27.47% -0.02% -22.40% 43.60% 4.06% 30.51%
NOPAT Q/Q Growth		 -5.86% -20.08% 4.48% -28.20% 97.17% -21.24% -4.65% -22.43% 43.70% 15.13% 17.55%
Net Income Q/Q Growth		 -5.86% -20.08% 4.48% -28.20% 97.17% -21.24% -4.65% -22.43% 43.70% 15.13% 17.55%
EPS Q/Q Growth		 11.11% -26.00% 8.11% -30.00% 103.57% -22.81% -4.55% -26.19% 48.39% 19.57% 18.18%
Operating Cash Flow Q/Q Growth		 37.31% -109.46% -133.93% -98.39% 334.02% -47.75% -73.07% -714.43% 218.44% -76.18% -95.25%
Free Cash Flow Firm Q/Q Growth		 -46.99% 56.95% -128.27% -332.34% 91.60% -360.09% 235.41% 18.03% -77.86% -15.81% 124.63%
Invested Capital Q/Q Growth		 8.64% -4.84% 24.61% -0.48% -12.71% 2.62% 0.16% -2.95% -2.44% 3.35% -3.24%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 14.69% 16.59% 13.10% 10.20% 18.42% 14.63% 15.11% 11.41% 15.78% 16.28% 19.55%
EBIT Margin		 12.86% 12.35% 11.05% 8.77% 16.81% 13.13% 13.35% 9.95% 13.89% 14.67% 18.10%
Profit (Net Income) Margin		 10.06% 9.06% 9.77% 6.45% 12.58% 10.67% 10.35% 7.71% 10.77% 12.58% 13.98%
Tax Burden Percent		 78.24% 73.38% 88.44% 73.56% 74.85% 81.28% 77.51% 77.47% 77.53% 85.77% 77.25%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.76% 26.62% 11.56% 26.44% 25.15% 18.72% 22.49% 22.53% 22.47% 14.23% 22.75%
Return on Invested Capital (ROIC)		 2.88% 2.43% 2.34% 1.64% 3.25% 2.78% 2.42% 1.81% 2.73% 3.13% 3.63%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.88% 2.43% 2.34% 1.64% 3.25% 2.78% 2.42% 1.81% 2.73% 3.13% 3.63%
Return on Net Nonoperating Assets (RNNOA)		 3.25% 2.64% 3.04% 2.15% 3.99% 3.27% 3.42% 2.48% 3.15% 3.72% 4.16%
Return on Equity (ROE)		 6.12% 5.08% 5.38% 3.79% 7.24% 6.06% 5.84% 4.30% 5.88% 6.85% 7.79%
Cash Return on Invested Capital (CROIC)		 15.08% 21.75% -3.31% -22.47% -0.51% -7.93% 13.66% 16.26% 5.23% 4.59% 8.40%
Operating Return on Assets (OROA)		 1.03% 0.91% 0.79% 0.63% 1.22% 0.96% 0.96% 0.72% 1.01% 1.07% 1.38%
Return on Assets (ROA)		 0.81% 0.67% 0.70% 0.46% 0.91% 0.78% 0.75% 0.56% 0.79% 0.91% 1.07%
Return on Common Equity (ROCE)		 6.05% 5.02% 5.32% 3.74% 7.15% 5.98% 5.76% 4.24% 5.81% 6.76% 7.69%
Return on Equity Simple (ROE_SIMPLE)		 7.75% 0.00% 5.98% 5.21% 5.46% 0.00% 5.62% 5.75% 5.34% 0.00% 6.28%
Net Operating Profit after Tax (NOPAT)		 33 27 28 20 39 31 30 23 33 38 45
NOPAT Margin		 10.06% 9.06% 9.77% 6.45% 12.58% 10.67% 10.35% 7.71% 10.77% 12.58% 13.98%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 68.24% 65.13% 67.09% 64.72% 62.43% 62.68% 65.82% 64.42% 65.57% 66.11% 61.55%
Operating Expenses to Revenue		 87.37% 86.41% 88.13% 86.42% 83.21% 86.44% 87.65% 86.36% 86.52% 87.27% 78.97%
Earnings before Interest and Taxes (EBIT)		 43 36 31 27 53 38 38 30 42 44 58
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 49 49 37 31 58 42 43 34 48 49 62
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.75 0.91 0.90 0.96 0.87 1.05 0.95 0.95 0.96 0.84 0.90
Price to Tangible Book Value (P/TBV)		 0.87 1.05 1.04 1.11 1.00 1.21 1.09 1.09 1.10 0.97 1.03
Price to Revenue (P/Rev)		 1.10 1.43 1.48 1.64 1.51 1.87 1.69 1.71 1.77 1.56 1.62
Price to Earnings (P/E)		 10.22 16.33 15.93 19.60 16.95 20.36 18.10 17.86 19.64 16.33 15.47
Dividend Yield		 2.41% 2.62% 2.65% 2.52% 2.81% 1.87% 2.10% 2.12% 2.08% 2.39% 2.27%
Earnings Yield		 9.79% 6.12% 6.28% 5.10% 5.90% 4.91% 5.52% 5.60% 5.09% 6.12% 6.46%
Enterprise Value to Invested Capital (EV/IC)		 0.48 0.58 0.63 0.68 0.61 0.63 0.61 0.80 0.54 0.43 0.56
Enterprise Value to Revenue (EV/Rev)		 1.57 1.94 2.71 3.03 2.39 2.53 2.46 3.15 2.10 1.70 2.10
Enterprise Value to EBITDA (EV/EBITDA)		 9.40 13.29 18.14 22.19 16.38 17.90 16.84 21.10 14.73 11.60 13.25
Enterprise Value to EBIT (EV/EBIT)		 10.60 16.07 21.68 26.83 19.47 20.26 18.88 23.59 16.66 13.10 14.74
Enterprise Value to NOPAT (EV/NOPAT)		 13.83 21.04 27.80 34.23 25.23 25.61 24.57 30.43 21.23 16.40 18.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.93 2.11 4.94 30.63 21.46 6.82 4.73 9.28 5.96 7.38 12.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.98 2.40 0.00 0.00 0.00 0.00 4.20 4.55 10.17 9.20 6.48
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.22 1.11 1.60 1.58 1.23 1.25 1.24 1.17 1.08 1.13 1.05
Long-Term Debt to Equity		 0.19 0.17 0.18 0.17 0.16 0.16 0.16 0.16 0.16 0.16 0.09
Financial Leverage		 1.13 1.09 1.30 1.31 1.23 1.18 1.42 1.37 1.15 1.19 1.15
Leverage Ratio		 7.59 7.58 7.74 8.16 7.92 7.77 7.83 7.70 7.49 7.49 7.30
Compound Leverage Factor		 7.59 7.58 7.74 8.16 7.92 7.77 7.83 7.70 7.49 7.49 7.30
Debt to Total Capital		 54.93% 52.53% 61.53% 61.22% 55.22% 55.46% 55.34% 53.92% 51.82% 53.12% 51.32%
Short-Term Debt to Total Capital		 46.38% 44.55% 54.58% 54.46% 47.84% 48.27% 48.16% 46.51% 44.23% 45.77% 47.00%
Long-Term Debt to Total Capital		 8.55% 7.98% 6.95% 6.76% 7.38% 7.19% 7.18% 7.40% 7.59% 7.35% 4.33%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.59% 0.61% 0.50% 0.49% 0.58% 0.57% 0.57% 0.60% 0.63% 0.60% 0.64%
Common Equity to Total Capital		 44.48% 46.86% 37.97% 38.29% 44.20% 43.97% 44.09% 45.48% 47.55% 46.28% 48.04%
Debt to EBITDA		 10.82 12.10 17.70 19.89 14.85 15.87 15.33 14.30 14.15 14.43 12.15
Net Debt to EBITDA		 2.68 3.37 8.13 10.03 5.91 4.51 5.12 9.47 2.10 0.82 2.89
Long-Term Debt to EBITDA		 1.68 1.84 2.00 2.20 1.98 2.06 1.99 1.96 2.07 2.00 1.02
Debt to NOPAT		 15.93 19.14 27.11 30.69 22.87 22.70 22.35 20.62 20.40 20.40 17.00
Net Debt to NOPAT		 3.94 5.33 12.46 15.47 9.10 6.45 7.47 13.65 3.02 1.16 4.04
Long-Term Debt to NOPAT		 2.48 2.91 3.06 3.39 3.05 2.94 2.90 2.83 2.99 2.82 1.43
Noncontrolling Interest Sharing Ratio		 1.16% 1.15% 1.18% 1.31% 1.30% 1.28% 1.29% 1.29% 1.30% 1.28% 1.29%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 608 954 -270 -1,166 -98 -451 610 720 159 134 302
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 18.42 16.87 -3.87 -12.25 -0.97 -4.27 5.76 6.96 1.50 1.30 3.44
Operating Cash Flow to Interest Expense		 14.86 -0.82 -1.56 -2.26 4.98 2.49 0.67 -4.21 4.86 1.19 0.07
Operating Cash Flow Less CapEx to Interest Expense		 14.86 -0.82 -1.56 -2.26 4.98 2.49 0.67 -4.21 4.86 1.19 0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.08 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08
Fixed Asset Turnover		 6.91 6.63 6.64 6.54 6.60 6.76 6.92 7.00 7.14 7.50 7.90
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,568 4,347 5,416 5,390 4,705 4,828 4,836 4,693 4,578 4,732 4,579
Invested Capital Turnover		 0.29 0.27 0.24 0.25 0.26 0.26 0.23 0.24 0.25 0.25 0.26
Increase / (Decrease) in Invested Capital		 -574 -927 297 1,185 137 482 -581 -697 -127 -96 -257
Enterprise Value (EV)		 2,178 2,509 3,417 3,681 2,866 3,021 2,941 3,734 2,469 2,021 2,562
Market Capitalization		 1,530 1,847 1,858 1,991 1,806 2,233 2,019 2,030 2,089 1,849 1,975
Book Value per Share		 $31.46 $31.54 $31.79 $31.74 $31.95 $32.58 $32.70 $32.70 $33.52 $33.71 $33.91
Tangible Book Value per Share		 $27.13 $27.22 $27.49 $27.47 $27.70 $28.34 $28.47 $28.49 $29.29 $29.49 $29.69
Total Capital		 4,568 4,347 5,416 5,390 4,705 4,828 4,836 4,693 4,578 4,732 4,579
Total Debt		 2,509 2,283 3,333 3,300 2,598 2,678 2,676 2,530 2,373 2,514 2,350
Total Long-Term Debt		 390 347 376 365 347 347 347 347 348 348 198
Net Debt		 621 635 1,531 1,664 1,033 761 895 1,675 352 143 558
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,509 2,283 3,333 3,300 2,598 2,678 2,676 2,530 2,373 2,514 2,350
Total Depreciation and Amortization (D&A)		 6.04 12 5.84 4.39 5.03 4.36 5.03 4.31 5.76 4.85 4.61
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.50 $0.38 $0.40 $0.28 $0.57 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65
Adjusted Weighted Average Basic Shares Outstanding		 64.55M 70.43M 64.90M 65.03M 65.11M 65.04M 65.20M 65.09M 64.93M 65.04M 64.61M
Adjusted Diluted Earnings per Share		 $0.50 $0.37 $0.40 $0.28 $0.57 $0.44 $0.42 $0.31 $0.46 $0.55 $0.65
Adjusted Weighted Average Diluted Shares Outstanding		 64.67M 70.63M 64.95M 65.05M 65.11M 65.05M 65.21M 65.09M 64.95M 65.05M 64.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 64.59M 64.70M 65.02M 65.09M 65.17M 65.15M 65.27M 64.95M 64.96M 64.86M 64.16M
Normalized Net Operating Profit after Tax (NOPAT)		 33 27 28 20 39 31 30 23 33 38 45
Normalized NOPAT Margin		 10.06% 9.06% 9.77% 6.45% 12.58% 10.67% 10.35% 7.71% 10.77% 12.58% 13.98%
Pre Tax Income Margin		 12.86% 12.35% 11.05% 8.77% 16.81% 13.13% 13.35% 9.95% 13.89% 14.67% 18.10%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.29 0.64 0.45 0.28 0.52 0.36 0.36 0.29 0.40 0.43 0.66
NOPAT to Interest Expense		 1.01 0.47 0.40 0.21 0.39 0.29 0.28 0.22 0.31 0.37 0.51
EBIT Less CapEx to Interest Expense		 1.29 0.64 0.45 0.28 0.52 0.36 0.36 0.29 0.40 0.43 0.66
NOPAT Less CapEx to Interest Expense		 1.01 0.47 0.40 0.21 0.39 0.29 0.28 0.22 0.31 0.37 0.51
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.26% 36.01% 33.73% 37.16% 35.81% 35.26% 35.35% 35.06% 37.53% 35.92% 32.43%
Augmented Payout Ratio		 308.09% 406.81% 397.24% 41.34% 39.78% 39.59% 44.15% 51.73% 55.12% 52.04% 63.69%

Financials Breakdown Chart

Key Financial Trends

Hilltop Holdings Inc. (NYSE: HTH) has demonstrated steady financial performance and underlying growth over the past four years, with some recent mixed signals in cash flow and deposits. Here’s a summary of the key financial trends and data points:

  • Consistent Revenue Growth: Total revenue has steadily increased from approximately $293 million in Q4 2022 to $318 million in Q1 2025, driven by growth both in net interest income and non-interest income.
  • Strong Net Interest Income: Net interest income has been stable around $103 million to $121 million quarterly across the periods, indicating sound core banking operations.
  • Non-Interest Income Expansion: Total non-interest income grew from about $169 million in Q4 2022 to $213 million in Q1 2025. This includes increases in service charges, capital gains, and investment banking income, supporting revenue diversification.
  • Profitability Improvement: Net income attributable to common shareholders increased from about $25.6 million in Q4 2022 to $42.1 million in Q1 2025, with earnings per share rising from $0.38 to $0.65 diluted EPS, reflecting efficient operations and earnings growth.
  • Stable Capital Base and Equity Growth: Total common equity increased from approximately $2.06 billion in Q2 2023 to $2.20 billion in Q1 2025, providing a strong foundation for future growth and regulatory capital adequacy.
  • Loan Portfolio Strength: Net loans and leases remained robust around $7.9 to $8.2 billion over the last several quarters, supporting core lending business stability and interest income generation.
  • Fluctuating Cash and Equivalents: Cash and due from banks showed variability, ranging from $798 million in Q2 2024 to as high as $1.9 billion in Q3 2024, ending at $1.7 billion in Q1 2025, indicating active cash management strategies.
  • Deposit Levels Varying Significantly: Net change in deposits shows volatility with large inflows and outflows in some quarters (e.g., -$230 million in Q1 2025 vs. +$373 million in Q4 2024), which could impact liquidity management and funding costs.
  • Weak Operating Cash Flows in Recent Quarter: Net cash from continuing operating activities in Q1 2025 was modest at approximately $5.8 million, significantly lower compared to strong cash flows seen in prior quarters (e.g., $122 million in Q4 2024), raising concerns about operational cash generation.
  • Heavy Financing Outflows in Q1 2025: Net cash used in financing activities was substantial at -$558 million in Q1 2025 due to debt repayments (-$397 million), equity repurchases (-$33 million), and dividend payments (-$11.6 million), indicating large capital return and debt reduction which may constrain liquidity short-term.

Summary: Hilltop Holdings has shown solid revenue and earnings growth, driven by consistent interest income and expanding non-interest income, along with a strong loan portfolio and healthy equity base. However, recently, the company faced considerable volatility in deposits and cash flows, with weak operating cash flow and substantial cash outflows due to financing activities in Q1 2025. Investors should watch Hilltop’s liquidity management and operating cash generation closely going forward.

09/19/25 03:49 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Hilltop's Financials

When does Hilltop's financial year end?

According to the most recent income statement we have on file, Hilltop's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Hilltop's net income changed over the last 10 years?

Hilltop's net income appears to be on an upward trend, with a most recent value of $123.21 million in 2024, rising from $112.56 million in 2014. The previous period was $117.98 million in 2023. See where experts think Hilltop is headed by visiting Hilltop's forecast page.

How has Hilltop's revenue changed over the last 10 years?

Over the last 10 years, Hilltop's total revenue changed from $1.16 billion in 2014 to $1.19 billion in 2024, a change of 2.4%.

How much debt does Hilltop have?

Hilltop's total liabilities were at $14.05 billion at the end of 2024, a 1.9% decrease from 2023, and a 80.6% increase since 2014.

How much cash does Hilltop have?

In the past 10 years, Hilltop's cash and equivalents has ranged from $433.63 million in 2019 to $2.82 billion in 2021, and is currently $2.30 billion as of their latest financial filing in 2024.

How has Hilltop's book value per share changed over the last 10 years?

Over the last 10 years, Hilltop's book value per share changed from 14.93 in 2014 to 33.71 in 2024, a change of 125.8%.


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This page (NYSE:HTH) was last updated on 9/19/2025 by MarketBeat.com Staff
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