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Hilltop HoldingsHTH -0.52%61 Debt-to-Equity is 0.26 as of Mar. 2026, which is 33% below its 10-year median of 0.39. GuruFocus rates HTH with a GF Score™ of 61/100 and a GF Value™ of $35.51 (Fairly Valued). The stock has 6 warning signs investors should review. Among 174 Diversified Financial Services companies, Hilltop Holdings ranks worse than 62.07% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Hilltop Holdings's Debt-to-Equity or its related term are showing as below:
HTH'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.23 Med: 0.39 Max: 0.83
Current: 0.26
During the past 13 years, the highest Debt-to-Equity Ratio of Hilltop Holdings was 0.83. The lowest was 0.23. And the median was 0.39.
HTH's Debt-to-Equity is ranked worse than 62.07% of 174
companies
in the Diversified Financial Services industry
Industry Median: 0.18
vs HTH: 0.26
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Hilltop Holdings Debt-to-Equity Related Terms
Hilltop Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Hilltop Holdings's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Financial Conglomerates subindustry, Hilltop Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hilltop Holdings Debt-to-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Hilltop Holdings's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hilltop Holdings (HTH) has a Debt-to-Equity of 0.26 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hilltop Holdings and its competitors. This is 33% below median its historical median of 0.39. Over the past decade, Hilltop Holdings' Debt-to-Equity has ranged from 0.23 to 0.83. According to the industry distribution chart, Hilltop Holdings ranks #108 out of 174 companies in the Diversified Financial Services industry, placing it in the top 62.1%.
Is Hilltop Holdings' Debt-to-Equity too high?
Hilltop Holdings' current Debt-to-Equity of 0.26 is 33% below median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.83. The Diversified Financial Services industry median Debt-to-Equity is 0.18. Hilltop Holdings' value of 0.26 is 44.4% above this industry median. Based on the distribution chart, Hilltop Holdings ranks #108 out of 174 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Hilltop Holdings has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hilltop Holdings' Debt-to-Equity compare to TMS and TREE?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #108 out of 174 companies for Debt-to-Equity. This places Hilltop Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.18. Hilltop Holdings' value of 0.26 is 44.4% above this benchmark. Historically, Hilltop Holdings' own Debt-to-Equity has ranged from 0.23 to 0.83 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 0.18, Hilltop Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Diversified Financial Services company?
The median Debt-to-Equity among Diversified Financial Services companies is 0.18, based on 174 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hilltop Holdings's current Debt-to-Equity of 0.26 is 44.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Hilltop Holdings and its competitors. For the Diversified Financial Services industry, the median Debt-to-Equity is 0.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hilltop Holdings's current Debt-to-Equity is 0.26, which is 33% below median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hilltop Holdings stock overvalued right now?
Based on GuruFocus' analysis, Hilltop Holdings (HTH) is currently considered Fairly Valued. The stock's GF Value™ is $35.51, compared to a current price of $37.94 — trading 6.8% above its estimated fair value. The current Debt-to-Equity is 0.26, which is 33% below median its 10-year median of 0.39 and 44.4% above the Diversified Financial Services industry median of 0.18. Hilltop Holdings' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current Debt-to-Equity is 0.26 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hilltop Holdings (HTH) Overvalued in 2026?
Based on GuruFocus' analysis, Hilltop Holdings stock appears to be overvalued.
The current stock price of $37.94 is trading 6.8% above its estimated GF Value™ of $35.51.
GuruFocus considers Hilltop Holdings to be Fairly Valued.
Key valuation signals for HTH:
Debt-to-Equity: 0.26 (33% below median its 10-year median of 0.39)
GF Value™: $35.51 vs. price of $37.94 (6.8% above fair value)
Industry Position: 44.4% above the Diversified Financial Services median (#108 of 174)
No single metric tells the full story. See the HTH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hilltop Holdings Inc is a Dallas-based financial holding company. The company has three segments: The banking segment includes the operations of the Bank; The broker-dealer segment includes the operations of Securities Holdings,; and the mortgage origination segment is composed of PrimeLending. Majority of revenue is from Broker-dealer Segment.
61GF Score
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