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. (HTH) Financials

HTH

Trailing 12 months to June 30, 2026

Revenue $1.3B +3.9% YoY

Net Income $161.8M +12.8% YoY

EPS (Diluted) $2.70 +21.1% YoY

Free Cash Flow -$122.7M -130.2% YoY

Market Cap $2.2B as of Oct 5, 2026

Price / Sales 1.7x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.5x on $161.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $2.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 24, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 24, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HTH SEC filings page.

HILLTOP HOLDINGS INC. (HTH) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 3.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI HTH FY2025 2026-10-04

Reported earnings improved, but FY2025 exposed a cash-conversion break inside a balance sheet funded mainly by liabilities.

In FY2025, net income reached $166M while operating cash flow turned negative at -$39M, so reported profitability did not translate into cash generation. That break contrasts with positive operating and free cash flow in FY2024, pointing to a change in cash timing or balance-sheet flows rather than a simple earnings trend.

Liabilities were $13.6B against $2.2B of equity in FY2025, making the balance sheet predominantly liability-funded. Debt-to-equity was 6.3x, so equity is a relatively thin layer beneath the reported asset base and absorbs a larger share of balance-sheet volatility.

Net income rose from $113M in FY2024 to $166M in FY2025, indicating improved reported earnings. ROA improved from 0.7% to 1.1% even as total assets declined slightly, but the concurrent cash-flow reversal means that improvement was not fully cash-backed.

Financial Health Signals

Financial health score not available

HILLTOP HOLDINGS INC. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

HILLTOP HOLDINGS INC. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality No Cash Backing

$0.23used

For every $1 of reported earnings, HILLTOP HOLDINGS INC. used $0.23 of operating cash (-$38.7M OCF vs $166.0M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$315.8M

YoY+4.1%

QoQ+5.1%

5Y CAGR-6.7%

10Y CAGR-3.4%

HILLTOP HOLDINGS INC. generated $315.8M in revenue in Q2 2026. This represents an increase of 4.1% from the same quarter a year earlier. Against the prior quarter it is up 5.1%.

Net Income

$36.5M

YoY+1.2%

QoQ-3.5%

5Y CAGR-18.1%

10Y CAGR+1.6%

HILLTOP HOLDINGS INC. reported $36.5M in net income in Q2 2026. This represents an increase of 1.2% from the same quarter a year earlier. Against the prior quarter it is down 3.5%.

EPS (Diluted)

$0.63

YoY+10.5%

QoQ-1.6%

5Y CAGR-12.2%

10Y CAGR+7.0%

HILLTOP HOLDINGS INC. earned $0.63 per diluted share (EPS) in Q2 2026. This represents an increase of 10.5% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$162.8M

YoY+30.6%

QoQ-21.6%

HILLTOP HOLDINGS INC. recorded an outflow of $162.8M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 30.6% from the same quarter a year earlier. Against the prior quarter it is down 21.6%.

Cash & Debt

$769.0M

YoY-25.4%

QoQ-13.8%

HILLTOP HOLDINGS INC. held $769.0M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.20

YoY+11.1%

QoQ0.0%

5Y CAGR+10.8%

HILLTOP HOLDINGS INC. paid $0.20 per share in dividends in Q2 2026. This represents an increase of 11.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

57M

YoY-9.1%

QoQ-2.1%

5Y CAGR-6.7%

10Y CAGR-5.3%

HILLTOP HOLDINGS INC. had 57M shares outstanding in Q2 2026. This represents a decrease of 9.1% from the same quarter a year earlier. Against the prior quarter it is down 2.1%.

Margins & Returns

Net Margin

11.6%

YoY-0.3pp

QoQ-1.0pp

5Y change-10.6pp

10Y change+4.6pp

HILLTOP HOLDINGS INC.'s net profit margin was 11.6% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.0 percentage points.

Return on Equity

1.7%

YoY+0.1pp

QoQ0.0pp

5Y change-2.3pp

10Y change0.0pp

HILLTOP HOLDINGS INC.'s ROE was 1.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$47.0M

YoY+34.6%

QoQ-1.2%

HILLTOP HOLDINGS INC. spent $47.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 34.6% from the same quarter a year earlier. Against the prior quarter it is down 1.2%.

Capital Expenditures

$5.4M

YoY+13320.0%

QoQ-19.0%

5Y CAGR-8.5%

10Y CAGR-5.2%

HILLTOP HOLDINGS INC. invested $5.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 13320.0% from the same quarter a year earlier. Against the prior quarter it is down 19.0%.

R&D Spending

Not reported for Q2 2026.

HTH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTH quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.3B+7.8%	$1.2B-0.6%	$1.2B-7.4%	$1.3B-29.6%	$1.8B-13.3%	$2.1B+40.8%	$1.5B+14.3%	$1.3B-19.3%	$1.6B-3.4%	$1.7B+3.0%	$1.6B+41.0%	$1.2B+1.2%	$1.1B+352.9%	$253.1M+66.3%	$152.2M
SG&A Expenses	$807.8M	$730.6M+6.3%	$687.1M+1.3%	$678.3M-12.3%	$773.7M-23.2%	$1.0B-4.9%	$1.1B+25.5%	$844.6M+11.5%	$757.2M-7.3%	$817.0M-2.1%	$834.1M+8.9%	$765.9M+56.1%	$490.7M+2.1%	$480.5M+688.1%	$61.0M+587.4%	$8.9M
Interest Expense	$314.5M	$343.3M-18.0%	$418.6M+12.7%	$371.5M+181.2%	$132.1M+23.5%	$107.0M-12.5%	$122.3M-28.8%	$171.7M+21.5%	$141.3M+65.5%	$85.4M+46.2%	$58.4M-4.6%	$61.3M+121.7%	$27.6M-16.0%	$32.9M+222.4%	$10.2M+13.5%	$9.0M
Income Tax	$47.9M	$49.0M+58.0%	$31.0M-0.3%	$31.1M-15.5%	$36.8M-68.8%	$118.0M-11.3%	$133.1M+108.9%	$63.7M+86.2%	$34.2M-68.9%	$110.1M+32.0%	$83.5M+17.7%	$70.9M+8.1%	$65.6M-7.2%	$70.7M+6273.3%	-$1.1M+77.1%	-$5.0M
Net Income	$161.8M	$166.0M+46.9%	$113.0M+2.7%	$110.0M-2.7%	$113.0M-69.8%	$374.0M-16.5%	$447.8M+98.8%	$225.3M+85.5%	$121.4M-8.4%	$132.5M-9.2%	$145.9M-30.8%	$211.0M+89.0%	$111.7M-10.9%	$125.3M+2341.5%	-$5.6M+14.4%	-$6.5M
EPS (Basic)	N/A	$2.64+51.7%	$1.74+3.0%	$1.69+5.0%	$1.61-65.3%	$4.64-7.6%	$5.02+105.7%	$2.44+90.6%	$1.28-5.9%	$1.36-8.1%	$1.48-29.5%	$2.10+78.0%	$1.18-17.5%	$1.43+1530.0%	-$0.10+16.7%	-$0.12
EPS (Diluted)	$2.70	$2.64+51.7%	$1.74+3.0%	$1.69+5.6%	$1.60-65.3%	$4.61-8.0%	$5.01+105.3%	$2.44+90.6%	$1.28-5.9%	$1.36-8.1%	$1.48-29.2%	$2.09+78.6%	$1.17-16.4%	$1.40	-$0.10+16.7%	-$0.12
Diluted Shares (Avg)	N/A	63M-3.6%	65M0.0%	65M-7.9%	71M-13.0%	81M-9.1%	89M-3.3%	92M-2.8%	95M-2.3%	97M-1.3%	99M-1.3%	100M+10.4%	91M+0.3%	90M	59M+4.0%	56M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$315.8M+4.1%	$300.5M-5.6%	$329.9M+9.6%	$330.2M+8.1%	$303.3M+2.1%	$318.5M+11.6%	$301.1M+3.7%	$305.5M-2.2%
SG&A Expenses	$179.9M+2.0%	$169.0M-4.1%	$268.9M+2.3%	$190.0M+6.8%	$176.4M+3.8%	$176.2M+6.3%	$262.8M+4.7%	$178.0M+2.8%
Interest Expense	$73.2M-15.4%	$72.2M-17.7%	$81.3M-21.2%	$87.9M-17.1%	$86.5M-16.4%	$87.7M-17.3%	$103.1M-2.3%	$106.0M+4.8%
Income Tax	$12.1M+4.4%	$11.4M-12.9%	$10.2M+62.6%	$14.1M+48.1%	$11.6M+74.0%	$13.1M+53.1%	$6.3M-11.9%	$9.5M-27.8%
Net Income	$36.5M+1.2%	$37.8M-10.2%	$41.6M+17.1%	$45.8M+54.3%	$36.1M+77.4%	$42.1M+52.2%	$35.5M+23.9%	$29.7M-19.8%
EPS (Basic)	$0.63+10.5%	$0.64-1.5%	$0.69+25.5%	$0.74+60.9%	$0.57+83.9%	$0.65+54.8%	$0.55+25.0%	$0.46-19.3%
EPS (Diluted)	$0.63+10.5%	$0.64-1.5%	$0.69+25.5%	$0.74+60.9%	$0.57+83.9%	$0.65+54.8%	$0.55+25.0%	$0.46-19.3%
Diluted Shares (Avg)	58M-8.9%	59M-8.4%	N/A	62M-4.3%	64M-2.2%	65M-0.9%	N/A	65M-0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

HTH Balance Sheet

HTH quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$15.8B-2.6%	$16.3B-1.2%	$16.5B+1.3%	$16.3B-13.0%	$18.7B+10.3%	$16.9B+11.7%	$15.2B+10.9%	$13.7B+2.4%	$13.4B+4.9%	$12.7B+7.3%	$11.9B+28.4%	$9.2B+3.8%	$8.9B+22.2%	$7.3B+687.4%	$925.4M
Cash & Equivalents	$1.3B-47.2%	$2.4B+23.7%	$1.9B+16.3%	$1.6B-45.9%	$3.0B+6636.3%	$45.2M-93.0%	$642.8M-17.4%	$778.5M+59.7%	$487.4M-29.4%	$690.8M+3.2%	$669.4M-17.7%	$813.1M+9.0%	$746.0M+2.7%	$726.5M+25.6%	$578.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M-8.2%	$291.4M+15.7%	$251.8M0.0%	$251.8M0.0%	$251.8M0.0%	$251.8M0.0%	$251.8M-0.8%	$253.8M+957.9%	$24.0M
Total Liabilities	$13.6B-2.9%	$14.0B-1.9%	$14.3B+0.9%	$14.2B-12.0%	$16.1B+10.6%	$14.6B+11.9%	$13.0B+11.4%	$11.7B+2.3%	$11.5B+5.4%	$10.9B+7.3%	$10.1B+30.2%	$7.8B+2.5%	$7.6B+23.6%	$6.1B+2173.8%	$270.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$228.9M+9.6%	$208.8M-34.3%	$317.9M+33.2%	$238.7M	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+10.5%	$2.1B+7.9%	$1.9B+2.0%	$1.9B+2.2%	$1.9B+7.7%	$1.7B+18.9%	$1.5B+11.4%	$1.3B+14.6%	$1.1B+74.6%	$655.4M
Retained Earnings	$1.3B+2.1%	$1.2B+5.0%	$1.2B+5.8%	$1.1B-10.6%	$1.3B+27.4%	$986.8M+53.0%	$644.9M+38.2%	$466.7M+21.4%	$384.5M+30.1%	$295.6M+90.1%	$155.5M+438.3%	-$46.0M+70.8%	-$157.6M+44.3%	-$282.9M-2.0%	-$277.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$16.0B+4.2%	$15.7B-0.7%	$15.8B-2.6%	$15.6B-2.0%	$15.4B-1.7%	$15.8B-2.4%	$16.3B-1.2%	$15.9B-2.9%
Cash & Equivalents	$769.0M-25.4%	$892.5M-50.2%	$1.3B-47.2%	$1.3B-36.5%	$1.0B+20.5%	$1.8B+0.6%	$2.4B+23.7%	$2.0B
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%	$267.4M0.0%
Total Liabilities	$13.8B+5.4%	$13.5B-0.4%	$13.6B-2.9%	$13.4B-2.4%	$13.1B-2.4%	$13.6B-3.3%	$14.0B-1.9%	$13.7B-4.0%
Total Equity	$2.1B-3.3%	$2.1B-2.5%	$2.2B-1.0%	$2.2B+0.5%	$2.2B+3.0%	$2.2B+3.2%	$2.2B+3.2%	$2.2B+4.7%
Retained Earnings	$1.3B0.0%	$1.3B+0.8%	$1.3B+2.1%	$1.3B+4.3%	$1.3B+5.4%	$1.3B+5.1%	$1.2B+5.0%	$1.2B+4.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HTH Cash Flow Statement

HTH quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	-$94.7M	-$38.7M-114.1%	$273.9M-38.2%	$443.0M-62.8%	$1.2B+55.4%	$765.6M+173.0%	$280.4M+164.8%	-$433.0M-211.2%	$389.5M+221.5%	-$320.7M-99.2%	-$161.0M-550.4%	$35.7M+139.1%	-$91.4M-123.0%	$396.7M+244.3%	$115.2M+3568.4%	-$3.3M
Depreciation & Amortization	N/A	$18.1M-20.3%	$22.7M-2.6%	$23.3M-13.1%	$26.8M-5.6%	$28.4M+1.8%	$27.9M+2.2%	$27.3M-11.4%	$30.8M+322.1%	-$13.9M+72.1%	-$49.8M+40.3%	-$83.4M-0.1%	-$83.3M-54.8%	-$53.8M-2023.7%	-$2.5M-247.8%	$1.7M
Stock-Based Compensation	N/A	N/A	$10.7M-31.0%	$15.5M-0.6%	$15.6M-10.9%	$17.5M+19.9%	$14.6M+23.7%	$11.8M+29.7%	$9.1M	N/A	$10.5M+22.1%	$8.6M+75.5%	$4.9M+188.2%	$1.7M+240.0%	$500K+242.5%	$146K
Capital Expenditures	$28.1M	$16.8M+136.1%	$7.1M-16.0%	$8.5M-13.4%	$9.8M-60.4%	$24.8M-34.4%	$37.7M-10.7%	$42.3M-37.6%	$67.7M+117.4%	$31.2M-25.7%	$41.9M+34.1%	$31.3M-27.6%	$43.2M+30.6%	$33.1M+89.9%	$17.4M+5782.4%	$296K
Free Cash Flow	-$122.7M	-$55.5M-120.8%	$266.8M-38.6%	$434.5M-63.2%	$1.2B+59.2%	$740.9M+205.3%	$242.7M+151.1%	-$475.3M-247.7%	$321.8M+191.5%	-$351.9M-73.4%	-$202.9M-4642.4%	$4.5M+103.3%	-$134.6M-137.0%	$363.6M+271.8%	$97.8M+2803.3%	-$3.6M
Investing Cash Flow	-$555.7M	-$364.8M-203.0%	$354.2M+123.7%	$158.3M+118.0%	-$877.3M-58.6%	-$553.3M+33.2%	-$827.7M-37.0%	-$604.3M-108.6%	-$289.7M+19.1%	-$358.0M+27.5%	-$493.6M-211.6%	$442.3M	N/A	N/A	N/A	N/A
Financing Cash Flow	$389.0M	-$714.2M-309.8%	-$174.3M+47.6%	-$332.5M+80.5%	-$1.7B-215.5%	$1.5B+17.6%	$1.3B+39.5%	$901.6M+19361.2%	$4.6M-99.0%	$480.9M-31.1%	$698.2M+212.3%	-$621.7M	N/A	N/A	N/A	N/A
Dividends Paid	$45.7M	$45.4M+2.6%	$44.3M+6.4%	$41.6M-3.2%	$43.0M+10.2%	$39.0M+19.8%	$32.5M+9.8%	$29.6M+11.0%	$26.7M+15.4%	$23.1M+298.9%	$5.8M+63.9%	$3.5M-37.0%	$5.6M+88.2%	$3.0M	N/A	N/A
Share Buybacks	$210.4M	$184.0M+826.5%	$19.9M+289.5%	$5.1M-98.8%	$442.3M+257.8%	$123.6M-40.8%	$208.7M+184.3%	$73.4M+24.4%	$59.0M+115.4%	$27.4M	N/A	$30.0M	N/A	N/A	$1.3M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	-$157.5M+32.9%	-$127.3M-2280.5%	-$82.9M-167.5%	$273.0M-47.1%	-$234.6M+46.1%	$5.8M-91.8%	$122.8M-53.3%	$515.6M+2.4%
Depreciation & Amortization	$2.0M-55.8%	$1.8M-61.1%	N/A	$3.7M-35.8%	$4.4M+2.7%	$4.6M-8.4%	N/A	$5.8M+14.4%
Capital Expenditures	$5.4M+13320.0%	$6.6M+731.2%	$14.1M+1441.0%	$2.0M+7.4%	-$40K-97.9%	$797K-67.4%	$916K-61.8%	$1.8M-26.8%
Free Cash Flow	-$162.8M+30.6%	-$133.9M-2756.7%	-$97.0M-179.6%	$271.0M-47.3%	-$234.6M+46.3%	$5.0M-92.6%	$121.9M-53.2%	$513.8M+2.5%
Investing Cash Flow	-$160.9M-127.8%	-$127.4M-374.4%	-$95.6M-301.8%	-$171.7M-161.9%	-$70.7M-605.8%	-$26.9M-273.0%	$47.4M-59.3%	$277.3M+18.1%
Financing Cash Flow	$194.8M+142.7%	-$105.6M+81.1%	$148.3M-17.4%	$151.4M-59.4%	-$456.2M+9.7%	-$557.8M-151.6%	$179.5M+751.2%	$373.0M+146.1%
Dividends Paid	$11.6M+0.9%	$11.8M+1.4%	$11.0M-0.1%	$11.2M+1.3%	$11.5M+3.9%	$11.6M+5.2%	$11.0M+5.9%	$11.0M+6.0%
Share Buybacks	$47.0M+34.6%	$47.5M+42.8%	$60.8M	$55.0M	$34.9M+251.9%	$33.3M+234.8%	$0-100.0%	$0

Not reported in any period shown, so not listed: Stock-Based Compensation.

HTH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTH quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	13.0%+3.4pp	9.5%+0.3pp	9.2%+0.5pp	8.8%-11.6pp	20.4%-0.8pp	21.2%+6.2pp	15.0%+5.8pp	9.3%+1.1pp	8.2%-0.5pp	8.7%-4.2pp	12.9%+3.3pp	9.6%-1.3pp	10.9%+13.1pp	-2.2%+2.1pp	-4.3%
Return on Equity	7.7%+2.5pp	5.2%0.0pp	5.2%-0.4pp	5.5%-9.3pp	14.8%-4.4pp	19.3%+8.6pp	10.7%+4.5pp	6.2%-0.7pp	6.9%-0.9pp	7.8%-4.3pp	12.2%+4.5pp	7.6%-1.9pp	9.6%+10.1pp	-0.5%+0.5pp	-1.0%
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%+1.2pp	1.5%+0.6pp	0.9%-0.1pp	1.0%-0.2pp	1.1%-0.6pp	1.8%+0.6pp	1.2%-0.2pp	1.4%+1.5pp	-0.1%+0.6pp	-0.7%
Debt-to-Equity	6.29-0.1x	6.42-0.3x	6.74-0.2x	6.97+0.6x	6.40+0.1x	6.28+0.1x	6.20+6.1x	0.120.0x	0.11-0.1x	0.170.0x	0.14-5.2x	5.33-0.5x	5.79+0.4x	5.37+5.0x	0.41
Asset Turnover	0.080.0x	0.070.0x	0.070.0x	0.080.0x	0.100.0x	0.120.0x	0.100.0x	0.100.0x	0.120.0x	0.130.0x	0.140.0x	0.130.0x	0.13+0.1x	0.03-0.1x	0.16
FCF Margin	-4.3%-26.8pp	22.4%-13.9pp	36.3%-55.0pp	91.3%+50.9pp	40.4%+28.9pp	11.5%+43.1pp	-31.6%-56.1pp	24.5%+46.1pp	-21.6%-9.6pp	-12.0%-12.3pp	0.3%+11.9pp	-11.6%-43.3pp	31.7%-6.9pp	38.6%+41.0pp	-2.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	11.6%-0.3pp	12.6%-0.6pp	12.6%+0.8pp	13.9%+4.2pp	11.9%+5.0pp	13.2%+3.5pp	11.8%+1.9pp	9.7%-2.1pp
Return on Equity	1.7%+0.1pp	1.8%-0.1pp	1.9%+0.3pp	2.1%+0.7pp	1.6%+0.7pp	1.9%+0.6pp	1.6%+0.3pp	1.4%-0.4pp
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp
Debt-to-Equity	6.51+0.5x	6.31+0.1x	6.29-0.1x	6.12-0.2x	5.97-0.3x	6.18-0.4x	6.42-0.3x	6.30-0.6x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	-51.6%+25.8pp	-44.6%-46.1pp	-29.4%-69.9pp	82.1%	-77.4%	1.6%-22.4pp	40.5%-49.4pp	168.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
HILLTOP HOLDINGS INC. HTH	FY2025	$1.3B	$166.0M	13.0%	$2.2B	—
VOYA FINANCIAL, INC. VOYA	FY2025	$8.2B	$654.0M	8.0%	$8.8B	34/100
Freedom Holding Corp. FRHC	FY2026	$2.2B	$153.3M	7.0%	$11.0B	25/100
LendingTree, Inc. TREE	FY2025	$1.1B	$151.0M	13.5%	$345.9M	14/100
ORIX Corporation IX	FY2012	$11.8B	$1.0B	8.8%	$38.6B	—
Dun & Bradstreet Holdings, Inc. DNB	FY2024	$2.4B	-$28.6M	-1.2%	$4.1B	46/100

Where HILLTOP HOLDINGS INC. Ranks

Frequently Asked Questions

What is HILLTOP HOLDINGS INC.'s annual revenue?

HILLTOP HOLDINGS INC. (HTH) reported $1.3B in total revenue for fiscal year 2025. This represents a 7.8% 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 grew by 7.8% year-over-year, from $1.2B to $1.3B in fiscal year 2025.

Is HILLTOP HOLDINGS INC. profitable?

Yes, HILLTOP HOLDINGS INC. (HTH) reported a net income of $166.0M in fiscal year 2025, with a net profit margin of 13.0%.

What is HILLTOP HOLDINGS INC.'s net profit margin?

HILLTOP HOLDINGS INC. (HTH) had a net profit margin of 13.0% 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 7.7% 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) recorded an outflow of $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) recorded an outflow of $38.7M in operating cash flow during fiscal year 2025, representing cash used by 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 P/E ratio?

HILLTOP HOLDINGS INC. (HTH) trades at 13.5x earnings, its market capitalization divided by net income of $161.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is HILLTOP HOLDINGS INC.'s price-to-sales ratio?

HILLTOP HOLDINGS INC. (HTH) trades at 1.7x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is HILLTOP HOLDINGS INC.'s Piotroski F-Score?

HILLTOP HOLDINGS INC. (HTH) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are HILLTOP HOLDINGS INC.'s earnings high quality?

For every $1 of reported earnings, HILLTOP HOLDINGS INC. (HTH) used $0.23 of operating cash (-$38.7M OCF vs $166.0M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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.