Hilltop Holdings Inc.
Find Ratings ReportsHILLTOP HOLDINGS INC's gross profit margin for the fourth quarter of its fiscal year 2023 is essentially unchanged when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the subsector average, its revenue growth has not.
At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 4.22% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 395.75 | 349.76 |
EBITDA ($mil) | 0.0 | 0.0 |
EBIT ($mil) | 75.3 | 64.51 |
Net Income ($mil) | 28.67 | 25.56 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 2050.88 | 1820.46 |
Total Assets ($mil) | 16467.0 | 16259.28 |
Total Debt ($mil) | 1393.61 | 1499.9 |
Equity ($mil) | 2122.97 | 2036.92 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 19.03 | 18.45 |
EBITDA Margin | 0.0 | 0.0 |
Operating Margin | 19.03 | 18.45 |
Sales Turnover | 0.1 | 0.09 |
Return on Assets | 0.66 | 0.69 |
Return on Equity | 5.16 | 5.55 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.4 | 0.42 |
Interest Expense | 37.2 | 28.29 |
Interest Coverage | 2.02 | 2.28 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 65.15 | 64.69 |
Div / share | 0.16 | 0.15 |
EPS | 0.44 | 0.39 |
Book value / share | 32.58 | 31.49 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 346235.0 | 315948.0 |
HOLD. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 0.92 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, HILLTOP HOLDINGS INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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HTH 17.68 | Peers 17.75 | HTH 4.39 | Peers 20.18 | |||||||||||||||||||||
Average. An average P/E ratio can signify an subsector neutral price for a stock and an average growth expectation. HTH is trading at a valuation on par with its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. HTH is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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HTH 16.28 | Peers 13.86 | HTH NM | Peers 1.78 | |||||||||||||||||||||
Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations. HTH is trading at a significant premium to its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. HTH's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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HTH 0.92 | Peers 8.64 | HTH 4.32 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. HTH is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, HTH is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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HTH 1.24 | Peers 4.87 | HTH 10.09 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. HTH is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. HTH significantly trails its peers on the basis of sales growth. |
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