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 12.10%, its profits have risen by 14.5% ; the PEG ratio of the company is 1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hilltop Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hilltop Holdings, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Hilltop Holdings, Inc.
10.08%
0.71
24.50%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.37%
EBIT Growth (5y)
-11.46%
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
39.07%
Pledged Shares
0
Institutional Holding
64.38%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.87
EV to EBIT
5.75
EV to EBITDA
3.18
EV to Capital Employed
0.32
EV to Sales
0.17
PEG Ratio
1.00
Dividend Yield
178.18%
ROCE (Latest)
5.60%
ROE (Latest)
5.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
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
OPERATING PROFIT(Q)
Highest at USD 49.47 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.09 %
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 110.67 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.93%
Here's what is working for Hilltop Holdings, Inc.
Operating Profit
Highest at USD 49.47 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.09 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Non Performing Loans (%)
Lowest at 1.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 110.67 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 78.19 MM has Grown at 62.89%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
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)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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