Hilltop Holdings Inc. cash flow to debt ratio of -8.44% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Hilltop Holdings Inc.'s free cash flow has decreased 135.64% from $266.80M last year to $-95.10M, signaling decreasing performance

Hilltop Holdings Inc.'s debt to equity ratio is 0.74, which means that the company's assets are unhealthy financed, signaling financial risk.

Hilltop Holdings Inc.'s debt has increased relative to shareholder equity from 0.62 last year to 0.74 today, signaling weakened financials

Hilltop Holdings Inc. has a net cash position, so leverage is healthy.

Hilltop Holdings Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Hilltop Holdings Inc.'s profit margin has increased (38.41%) in the last year from 7.35% to 10.17%, signaling increasing performance

Hilltop Holdings Inc.'s short-term liabilities of $5.07B exceed its short-term assets of $1.23B, signaling financial risk

Hilltop Holdings Inc.'s return on assets of 1.01% is lower than the 5.00% threshold, indicating inefficient asset utilization

Hilltop Holdings Inc.'s return on equity of 7.50%, is lower than 15.00%, indicating bad performance

Hilltop Holdings Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Hilltop Holdings Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Hilltop Holdings Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Hilltop Holdings Inc. has negative free cash flow, indicating cash burn

Hilltop Holdings Inc.'s yearly earnings has increased 46.27% since last year from $113.21M to $165.59M, signaling increasing performance

Hilltop Holdings Inc.'s yearly revenue has decreased 49.13% since last year from $1.54B to $784.05M, signaling decreasing performance

ROIC 1.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Hilltop Holdings Inc.'s 3-year revenue CAGR of 6.30% is positive, indicating growing revenue over the past 3 years

Hilltop Holdings Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Hilltop Holdings Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Hilltop Holdings Inc. has insufficient data to evaluate this check.

Hilltop Holdings Inc. has an earnings yield of 7.21%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Hilltop Holdings Inc. is overvalued relative to its fair value price of 30.21 based on EBITDA multiple model

Hilltop Holdings Inc. has insufficient data to compute enterprise value.

Hilltop Holdings Inc. is overvalued relative to its fair value price of 19.78 based on Earnings Fair Value model

Hilltop Holdings Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Hilltop Holdings Inc. has a price-to-book ratio of 1.04x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Hilltop Holdings Inc. has a price-to-sales ratio of 1.41x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue