Hilltop Holdings Inc Financials
Hilltop Holdings Inc (HTH) reported $784.0M in revenue for fiscal year 2025, down 6.3% from the prior fiscal year. 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).
A liabilities-funded asset base makes cash conversion, not reported revenue, the clearest signal of how this business is operating.
FY2025’s earnings rebound did not convert into cash: net income rose to$166M while operating cash flow fell to-$38.7M . That reverses the positive operating cash flow posted in FY2023 and FY2024, implying the profit recovery depended more on balance-sheet movements and timing than on cash actually collected during the year.
Return on assets was only
Capital intensity is low—capital spending was just
Financial Health Signals
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.
Hilltop Holdings Inc passes 3 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, neither operating efficiency signal passes.
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
Earnings & Revenue
Hilltop Holdings Inc generated $784.0M in revenue in fiscal year 2025. This represents a decrease of 6.3% from the prior year.
Hilltop Holdings Inc reported $166.0M in net income in fiscal year 2025. This represents an increase of 46.9% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Hilltop Holdings Inc recorded an outflow of $55.5M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents a decrease of 120.8% from the prior year.
Hilltop Holdings Inc held $1.3B in cash as of fiscal year 2025; long-term debt is not reported for that period.
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.
Margins & Returns
Hilltop Holdings Inc's net profit margin was 21.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.7 percentage points from the prior year.
Hilltop Holdings Inc's ROE was 7.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
HTH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $767.4M | $784.0M-6.3% | $836.4M-0.2% | $838.4M+41.8% | $591.1M+11.5% | $530.0M-3.0% | $546.5M-10.5% | $610.7M+6.3% | $574.6M+13.3% | $507.2M+11.2% | $456.0M-3.0% | $469.8M+20.9% | $388.8M+18.1% | $329.1M+743.0% | $39.0M-74.3% | $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 (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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HTH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
HTH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HTH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 21.2%+7.7pp | 13.5%+0.4pp | 13.1%-6.0pp | 19.1%-51.4pp | 70.6%-11.4pp | 82.0%+45.1pp | 36.9%+15.8pp | 21.1%-5.0pp | 26.1%-5.9pp | 32.0%-12.9pp | 44.9%+16.2pp | 28.7%-9.4pp | 38.1%+52.4pp | -14.3%-10.0pp | -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 |
| FCF Margin | -7.1%-39.0pp | 31.9%-19.9pp | 51.8% | 199.6% | 139.8% | 44.4%+122.2pp | -77.8%-133.8pp | 56.0%+125.4pp | -69.4%-24.9pp | -44.5%-45.5pp | 0.9%+35.6pp | -34.6% | 110.5% | 250.5% | -2.4% |
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.
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Where Hilltop Holdings Inc Ranks
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 $166.0M in fiscal year 2025, with a net profit margin of 21.2%.
What is Hilltop Holdings Inc's net profit margin?
Hilltop Holdings Inc (HTH) had a net profit margin of 21.2% 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.
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 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.