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.

Hilltop Holdings Inc Financials

HTH

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

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 15/100

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

Growth

Hilltop Holdings Inc's revenue declined 6.3% year-over-year, from $836.4M to $784.0M. This contraction results in a growth score of 23/100.

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

While Hilltop Holdings Inc generated -$38.7M in operating cash flow, capex of $16.8M consumed most of it, leaving -$55.5M in free cash flow. This results in a low score of 7/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Hilltop Holdings Inc generates a 7.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 5.2% the prior year.

Piotroski F-Score Weak

3/9

Hilltop Holdings Inc passes 3 of 9 financial strength tests. 2 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 (-$38.7M OCF vs $165.6M 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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Earnings & Revenue

Revenue

$784.0M

YoY-6.3%

5Y CAGR+7.5%

10Y CAGR+5.3%

Hilltop Holdings Inc generated $784.0M in revenue in fiscal year 2025. This represents a decrease of 6.3% from the prior year.

EBITDA

N/A

Net Income

$165.6M

YoY+46.3%

5Y CAGR-18.0%

10Y CAGR-2.4%

Hilltop Holdings Inc reported $165.6M in net income in fiscal year 2025. This represents an increase of 46.3% 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 & Balance Sheet

Free Cash Flow

-$55.5M

YoY-120.8%

Hilltop Holdings Inc generated -$55.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 120.8% from the prior year.

Cash & Debt

$1.3B

YoY-47.2%

5Y CAGR+94.3%

10Y CAGR+6.5%

Hilltop Holdings Inc held $1.3B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.72

YoY+5.9%

5Y CAGR+14.9%

Hilltop Holdings Inc paid $0.72 per share in dividends in fiscal year 2025. This represents an increase 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.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

21.1%

YoY+7.6pp

5Y CAGR-60.8pp

10Y CAGR-23.8pp

Hilltop Holdings Inc's net profit margin was 21.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.6 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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$184.0M

YoY+826.5%

5Y CAGR-2.5%

10Y CAGR+19.9%

Hilltop Holdings Inc spent $184.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 826.5% from the prior year.

Capital Expenditures

$16.8M

YoY+136.1%

5Y CAGR-14.9%

10Y CAGR-6.0%

Hilltop Holdings Inc invested $16.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 136.1% from the prior year.

HTH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$784.0M-6.3%	$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	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
Interest Expense	$343.3M-18.0%	$418.6M+12.7%	$371.5M+181.2%	$132.1M+23.5%	$107.0M-12.5%	$122.3M
Income Tax	$49.0M+58.0%	$31.0M-0.3%	$31.1M-15.5%	$36.8M-68.8%	$118.0M-11.3%	$133.1M
Net Income	$165.6M+46.3%	$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	$15.8B-2.6%	$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	$1.3B-47.2%	$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	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M
Total Liabilities	$13.6B-2.9%	$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	$2.2B-1.0%	$2.2B+3.2%	$2.1B+4.2%	$2.0B-19.3%	$2.5B+8.6%	$2.3B
Retained Earnings	$1.3B+2.1%	$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	-$38.7M-114.1%	$273.9M-38.2%	$443.0M-62.8%	$1.2B+55.4%	$765.6M+173.0%	$280.4M
Capital Expenditures	$16.8M+136.1%	$7.1M-16.0%	$8.5M-13.4%	$9.8M-60.4%	$24.8M-34.4%	$37.7M
Free Cash Flow	-$55.5M-120.8%	$266.8M-38.6%	$434.5M-63.2%	$1.2B+59.2%	$740.9M+205.3%	$242.7M
Investing Cash Flow	-$364.8M-203.0%	$354.2M+123.7%	$158.3M+118.0%	-$877.3M-58.6%	-$553.3M+33.2%	-$827.7M
Financing Cash Flow	-$714.2M-309.8%	-$174.3M+47.6%	-$332.5M+80.5%	-$1.7B-215.5%	$1.5B+17.6%	$1.3B
Dividends Paid	$45.4M+2.6%	$44.3M+6.4%	$41.6M-3.2%	$43.0M+10.2%	$39.0M+19.8%	$32.5M
Share Buybacks	$184.0M+826.5%	$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	21.1%+7.6pp	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	-7.1%-39.0pp	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 $784.0M in total revenue for fiscal year 2025. This represents a -6.3% 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 6.3% year-over-year, from $836.4M to $784.0M in fiscal year 2025.

Is Hilltop Holdings Inc profitable?

Yes, Hilltop Holdings Inc (HTH) reported a net income of $165.6M in fiscal year 2025, with a net profit margin of 21.1%.

What is Hilltop Holdings Inc's net profit margin?

Hilltop Holdings Inc (HTH) had a net profit margin of 21.1% 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 $0.72 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 -$55.5M in free cash flow during fiscal year 2025. This represents a -120.8% 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 -$38.7M 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 $15.8B 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 $16.8M 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 $184.0M 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 cash runway?

Based on fiscal year 2025 data, Hilltop Holdings Inc (HTH) had $1.3B in cash against an annual operating cash burn of $38.7M. This gives an estimated cash runway of approximately 389 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

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

Hilltop Holdings Inc (HTH) has a Piotroski F-Score of 3 out of 9, indicating weak 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 15 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.