Valuation remains strong (avg 90/100), but business quality is pulling the composite down (avg 55/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.0x book, reasonable for a financial
Not enough quarterly data
for a 1-year trend
5–10% CAGR, steady but not exceptional
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Mild dilution under 2%
5–10%, adequate but not exceptional
13.0% equity/assets, well-capitalized
Net margin compressed >2pp, profitability pressure
Hilltop Holdings (HTH) quality: score, margins and returns
Hilltop Holdings (HTH) scores 70/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Hilltop Holdings (HTH) a high-quality business?+
Hilltop Holdings scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Hilltop Holdings's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HTH's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Hilltop Holdings scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 22 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 24 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
State Commercial Banks · Pick stocks to compare with HTH
Held by ETFs
HTH is in 70 US ETFs. The largest of them, with HTH's weight in each:
Spot a number that looks wrong? Check it in HTH's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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