ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hilltop Holdings, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Positive results in Jun 25
- NET PROFIT(HY) At USD 78.19 MM has Grown at 62.89%
- ROCE(HY) Highest at 0.93%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.45%, it has a attractive valuation with a 0.87 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 8.70%, its profits have risen by 14.5% ; the PEG ratio of the company is 1
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Hilltop Holdings, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Hilltop Holdings, Inc.
30.3%
0.70
24.50%
S&P 500
20.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.49%
EBIT Growth (5y)
-13.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.27%
Pledged Shares
0
Institutional Holding
66.42%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.97
EV to EBIT
3.77
EV to EBITDA
3.47
EV to Capital Employed
0.90
EV to Sales
0.88
PEG Ratio
0.23
Dividend Yield
1.67%
ROCE (Latest)
23.92%
ROE (Latest)
7.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
ROCE(HY)
Highest at 1.02%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 80.08%
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -110.99 MM
ROCE(HY)
Lowest at 1.02%
CASH AND EQV(HY)
Lowest at USD 2,144.03 MM
NET SALES(Q)
Lowest at USD 184.29 MM
Here's what is working for Hilltop Holdings, Inc.
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 80.08%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Hilltop Holdings, Inc.
Operating Cash Flow
Lowest at USD -110.99 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 184.29 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Cash and Eqv
Lowest at USD 2,144.03 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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