Hilltop Holdings Inc Financials

HTH

Source SEC Filings (10-K/10-Q) Updated Feb 13, 2026 Currency USD FYE February

This page shows Hilltop Holdings Inc (HTH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 33/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Hilltop Holdings Inc's revenue declined 100% year-over-year, from $836.4M to $103K. This contraction results in a growth score of 0/100.

Leverage

Hilltop Holdings Inc has elevated debt relative to equity (D/E of 6.29), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Hilltop Holdings Inc converts 21.3% of revenue into free cash flow ($22K). This strong cash generation earns a score of 100/100.

Returns

Hilltop Holdings Inc's ROE of 7.6% shows moderate profitability relative to equity, earning a score of 31/100. This is up from 5.2% the prior year.

Piotroski F-Score Neutral

4/9

Hilltop Holdings Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

0.23x

For every $1 of reported earnings, Hilltop Holdings Inc generates $0.23 in operating cash flow ($39K OCF vs $166K net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Revenue

$103K

YoY-100.0%

5Y CAGR-82.0%

10Y CAGR-57.0%

Hilltop Holdings Inc generated $103K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EBITDA

N/A

Free Cash Flow

$22K

YoY-100.0%

5Y CAGR-84.5%

10Y CAGR-41.3%

Hilltop Holdings Inc generated $22K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 100.0% from the prior year.

Net Income

$166K

YoY-99.9%

5Y CAGR-79.4%

10Y CAGR-51.1%

Hilltop Holdings Inc reported $166K in net income in fiscal year 2025. This represents a decrease of 99.9% from the prior year.

EPS (Diluted)

$2.64

YoY+51.7%

5Y CAGR-12.0%

10Y CAGR+2.4%

Hilltop Holdings Inc earned $2.64 per diluted share (EPS) in fiscal year 2025. This represents an increase of 51.7% from the prior year.

Cash & Debt

$247K

YoY-100.0%

5Y CAGR-64.7%

10Y CAGR-54.6%

Hilltop Holdings Inc held $247K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.64

YoY-5.9%

5Y CAGR+12.2%

Hilltop Holdings Inc paid $0.64 per share in dividends in fiscal year 2025. This represents a decrease of 5.9% from the prior year.

Shares Outstanding

59M

YoY-8.3%

5Y CAGR-6.3%

10Y CAGR-5.0%

Hilltop Holdings Inc had 59M shares outstanding in fiscal year 2025. This represents a decrease of 8.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

161.3%

YoY+147.8pp

5Y CAGR+79.4pp

10Y CAGR+116.4pp

Hilltop Holdings Inc's net profit margin was 161.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 147.8 percentage points from the prior year.

Return on Equity

7.6%

YoY+2.5pp

5Y CAGR-11.6pp

10Y CAGR-4.5pp

Hilltop Holdings Inc's ROE was 7.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$184K

YoY-99.1%

5Y CAGR-75.5%

10Y CAGR-39.9%

Hilltop Holdings Inc spent $184K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.1% from the prior year.

Capital Expenditures

$17K

YoY-99.8%

5Y CAGR-78.6%

10Y CAGR-52.9%

Hilltop Holdings Inc invested $17K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 99.8% from the prior year.

HTH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$103K-100.0%	$836.4M-0.2%	$838.4M+41.8%	$591.1M+11.5%	$530.0M-3.0%	$546.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$73K	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$343K-99.9%	$418.6M+12.7%	$371.5M+181.2%	$132.1M+23.5%	$107.0M-12.5%	$122.3M
Income Tax	$49K-99.8%	$31.0M-0.3%	$31.1M-15.5%	$36.8M-68.8%	$118.0M-11.3%	$133.1M
Net Income	$166K-99.9%	$113.2M+3.3%	$109.6M-3.1%	$113.1M-69.8%	$374.5M-16.4%	$447.8M
EPS (Diluted)	$2.64+51.7%	$1.74+3.0%	$1.69+5.6%	$1.60-65.3%	$4.61-8.0%	$5.01

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$193.8M-3.2%	$200.3M+1.6%	$197.2M+2.3%	$192.8M-7.6%	$208.6M-1.2%	$211.0M+1.9%	$207.1M-1.2%	$209.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$81.3M-7.5%	$87.9M+1.6%	$86.5M-1.3%	$87.7M-15.0%	$103.1M-2.7%	$106.0M+2.4%	$103.5M-2.4%	$106.0M
Income Tax	$10.2M-27.7%	$14.1M+22.0%	$11.6M-11.7%	$13.1M+108.7%	$6.3M-34.1%	$9.5M+43.3%	$6.7M-22.3%	$8.6M
Net Income	$41.6M-9.2%	$45.8M+27.0%	$36.1M-14.3%	$42.1M+18.6%	$35.5M+19.6%	$29.7M+46.0%	$20.3M-26.5%	$27.7M
EPS (Diluted)	$0.69-6.8%	$0.74+29.8%	$0.57-12.3%	$0.65+18.2%	$0.55+19.6%	$0.46+48.4%	$0.31-26.2%	$0.42

HTH Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$15.8M-99.9%	$16.3B-1.2%	$16.5B+1.3%	$16.3B-13.0%	$18.7B+10.3%	$16.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$247K-100.0%	$2.4B+23.7%	$1.9B+16.3%	$1.6B-45.9%	$3.0B+6636.3%	$45.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$267K-99.9%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M
Total Liabilities	$13.6M-99.9%	$14.0B-1.9%	$14.3B+0.9%	$14.2B-12.0%	$16.1B+10.6%	$14.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.2M-99.9%	$2.2B+3.2%	$2.1B+4.2%	$2.0B-19.3%	$2.5B+8.6%	$2.3B
Retained Earnings	$1.3M-99.9%	$1.2B+5.0%	$1.2B+5.8%	$1.1B-10.6%	$1.3B+27.4%	$986.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$15.8B+1.5%	$15.6B+1.6%	$15.4B-2.8%	$15.8B-2.8%	$16.3B+2.1%	$15.9B+2.0%	$15.6B-3.6%	$16.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.3B-2.4%	$1.3B+24.5%	$1.0B-42.5%	$1.8B-24.4%	$2.4B+17.3%	$2.0B+136.4%	$855.0M-52.0%	$1.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M
Total Liabilities	$13.6B+1.9%	$13.4B+1.9%	$13.1B-3.3%	$13.6B-3.3%	$14.0B+2.4%	$13.7B+2.0%	$13.5B-4.2%	$14.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.2B-0.9%	$2.2B-0.5%	$2.2B0.0%	$2.2B+0.4%	$2.2B+0.6%	$2.2B+2.0%	$2.1B+0.1%	$2.1B
Retained Earnings	$1.3B-0.2%	$1.3B+0.5%	$1.3B+0.6%	$1.3B+1.1%	$1.2B+2.0%	$1.2B+1.5%	$1.2B+0.4%	$1.2B

HTH Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$39K-100.0%	$273.9M-38.2%	$443.0M-62.8%	$1.2B+55.4%	$765.6M+173.0%	$280.4M
Capital Expenditures	$17K-99.8%	$7.1M-16.0%	$8.5M-13.4%	$9.8M-60.4%	$24.8M-34.4%	$37.7M
Free Cash Flow	$22K-100.0%	$266.8M-38.6%	$434.5M-63.2%	$1.2B+59.2%	$740.9M+205.3%	$242.7M
Investing Cash Flow	$365K-99.9%	$354.2M+123.7%	$158.3M+118.0%	-$877.3M-58.6%	-$553.3M+33.2%	-$827.7M
Financing Cash Flow	$714K+100.4%	-$174.3M+47.6%	-$332.5M+80.5%	-$1.7B-215.5%	$1.5B+17.6%	$1.3B
Dividends Paid	$45K-99.9%	$44.3M+6.4%	$41.6M-3.2%	$43.0M+10.2%	$39.0M+19.8%	$32.5M
Share Buybacks	$184K-99.1%	$19.9M+289.5%	$5.1M-98.8%	$442.3M+257.8%	$123.6M-40.8%	$208.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$82.9M-130.4%	$273.0M+216.3%	-$234.6M-4119.2%	$5.8M-95.2%	$122.8M-76.2%	$515.6M+218.4%	-$435.3M-714.4%	$70.8M
Capital Expenditures	$14.1M+619.8%	$2.0M+5002.5%	-$40K-105.0%	$797K-13.0%	$916K-49.8%	$1.8M-6.2%	$1.9M-20.3%	$2.4M
Free Cash Flow	-$97.0M-135.8%	$271.0M+215.5%	-$234.6M-4755.5%	$5.0M-95.9%	$121.9M-76.3%	$513.8M+217.5%	-$437.3M-739.2%	$68.4M
Investing Cash Flow	-$95.6M+44.3%	-$171.7M-143.0%	-$70.7M-163.0%	-$26.9M-156.7%	$47.4M-82.9%	$277.3M+1885.5%	$14.0M-10.1%	$15.5M
Financing Cash Flow	$148.3M-2.0%	$151.4M+133.2%	-$456.2M+18.2%	-$557.8M-410.8%	$179.5M-51.9%	$373.0M+173.8%	-$505.1M-127.8%	-$221.7M
Dividends Paid	$11.0M-1.4%	$11.2M-2.9%	$11.5M-1.1%	$11.6M+5.5%	$11.0M0.0%	$11.0M-0.5%	$11.1M+0.2%	$11.1M
Share Buybacks	$60.8M+10.4%	$55.0M+57.7%	$34.9M+4.9%	$33.3M	$0	$0-100.0%	$9.9M-0.2%	$9.9M

HTH Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	161.3%+147.8pp	13.5%+0.5pp	13.1%-6.1pp	19.1%-51.5pp	70.7%-11.3pp	82.0%
Return on Equity	7.6%+2.5pp	5.2%+0.0pp	5.2%-0.4pp	5.5%-9.3pp	14.8%-4.4pp	19.3%
Return on Assets	1.1%+0.4pp	0.7%+0.0pp	0.7%-0.0pp	0.7%-1.3pp	2.0%-0.6pp	2.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.29-0.1	6.42-0.3	6.74-0.2	6.97+0.6	6.40+0.1	6.28
FCF Margin	21.3%-10.6pp	31.9%-19.9pp	51.8%-147.7pp	199.6%+59.8pp	139.8%+95.4pp	44.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.5%-1.4pp	22.9%+4.6pp	18.3%-3.6pp	21.8%+4.8pp	17.0%+3.0pp	14.1%+4.3pp	9.8%-3.4pp	13.2%
Return on Equity	1.9%-0.2pp	2.1%+0.4pp	1.6%-0.3pp	1.9%+0.3pp	1.6%+0.3pp	1.4%+0.4pp	0.9%-0.3pp	1.3%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.3%+0.1pp	0.2%+0.0pp	0.2%+0.1pp	0.1%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.29+0.2	6.12+0.1	5.97-0.2	6.18-0.2	6.42+0.1	6.300.0	6.30-0.3	6.59
FCF Margin	-50.0%-185.4pp	135.3%+254.3pp	-119.0%-121.6pp	2.6%-55.8pp	58.4%-185.0pp	243.4%+454.5pp	-211.1%-243.7pp	32.6%

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Frequently Asked Questions

What is Hilltop Holdings Inc's annual revenue?

Hilltop Holdings Inc (HTH) reported $103K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hilltop Holdings Inc's revenue growing?

Hilltop Holdings Inc (HTH) revenue declined by 100% year-over-year, from $836.4M to $103K in fiscal year 2025.

Is Hilltop Holdings Inc profitable?

Yes, Hilltop Holdings Inc (HTH) reported a net income of $166K in fiscal year 2025, with a net profit margin of 161.3%.

What is Hilltop Holdings Inc's earnings per share (EPS)?

Hilltop Holdings Inc (HTH) reported diluted earnings per share of $2.64 for fiscal year 2025. This represents a 51.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Hilltop Holdings Inc's net profit margin?

Hilltop Holdings Inc (HTH) had a net profit margin of 161.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Hilltop Holdings Inc pay dividends?

Yes, Hilltop Holdings Inc (HTH) paid $0.64 per share in dividends during fiscal year 2025.

What is Hilltop Holdings Inc's return on equity (ROE)?

Hilltop Holdings Inc (HTH) has a return on equity of 7.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hilltop Holdings Inc's free cash flow?

Hilltop Holdings Inc (HTH) generated $22K in free cash flow during fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hilltop Holdings Inc's operating cash flow?

Hilltop Holdings Inc (HTH) generated $39K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hilltop Holdings Inc's total assets?

Hilltop Holdings Inc (HTH) had $15.8M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hilltop Holdings Inc's capital expenditures?

Hilltop Holdings Inc (HTH) invested $17K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Hilltop Holdings Inc buy back shares?

Yes, Hilltop Holdings Inc (HTH) spent $184K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Hilltop Holdings Inc have outstanding?

Hilltop Holdings Inc (HTH) had 59M shares outstanding as of fiscal year 2025.

What is Hilltop Holdings Inc's debt-to-equity ratio?

Hilltop Holdings Inc (HTH) had a debt-to-equity ratio of 6.29 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hilltop Holdings Inc's return on assets (ROA)?

Hilltop Holdings Inc (HTH) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hilltop Holdings Inc's Piotroski F-Score?

Hilltop Holdings Inc (HTH) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hilltop Holdings Inc's earnings high quality?

Hilltop Holdings Inc (HTH) has an earnings quality ratio of 0.23x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Hilltop Holdings Inc?

Hilltop Holdings Inc (HTH) scores 33 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.