Hilltop Holdings (FRA:WXF) E10: €2.50 (As of Mar. 2026)


FRA:WXF Hilltop Holdings Inc FRA:WXF
64 GF Score
Price €34.40
GF Value €30.49
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Hilltop Holdings E10?

Hilltop Holdings FRA:WXF +0.58% 64 E10 is €2.50 as of Mar. 2026. GuruFocus rates FRA:WXF with a GF Score™ of 64/100 and a GF Value™ of €30.49 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Hilltop Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.554. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.50 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Hilltop Holdings's average E10 Growth Rate was 6.60% per year. During the past 3 years, the average E10 Growth Rate was 2.70% per year. During the past 5 years, the average E10 Growth Rate was 9.30% per year. During the past 10 years, the average E10 Growth Rate was 16.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Hilltop Holdings was 110.20% per year. The lowest was 0.80% per year. And the median was 15.90% per year.

As of today (2026-06-29), Hilltop Holdings's current stock price is €34.40. Hilltop Holdings's E10 for the quarter that ended in Mar. 2026 was €2.50. Hilltop Holdings's Shiller PE Ratio of today is 13.76.

During the past 13 years, the highest Shiller PE Ratio of Hilltop Holdings was 42.26. The lowest was 9.59. And the median was 15.06.


Hilltop Holdings  (FRA:WXF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Hilltop Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=34.40/2.50
=13.76

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Hilltop Holdings was 42.26. The lowest was 9.59. And the median was 15.06.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Hilltop Holdings E10 Related Terms


Hilltop Holdings E10 Historical Data

* Premium members only.

The historical data trend for Hilltop Holdings's E10 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.

Hilltop Holdings E10 Chart

Hilltop Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.00 2.44 2.41 2.66 2.40

Hilltop Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.49 2.34 2.35 2.40 2.50

FRA:WXF vs TMS, TREE, RILY: E10 Comparison

For the Financial Conglomerates subindustry, Hilltop Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Hilltop Holdings's Shiller PE Ratio falls into.


FRA:WXF
64GF Score
Hilltop Holdings Inc FRA:WXF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hilltop Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Hilltop Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.554/330.2130*330.2130
=0.554

Current CPI (Mar. 2026) = 330.2130.

Hilltop Holdings Quarterly Data

per share eps CPI Adj_EPS
201606 0.285 241.018 0.390
201609 0.472 241.428 0.646
201612 0.341 241.432 0.466
201703 0.252 243.801 0.341
201706 0.561 244.955 0.756
201709 0.260 246.819 0.348
201712 0.118 246.524 0.158
201803 0.203 249.554 0.269
201806 0.300 251.989 0.393
201809 0.326 252.439 0.426
201812 0.264 251.233 0.347
201903 0.363 254.202 0.472
201906 0.549 256.143 0.708
201909 0.781 256.759 1.004
201912 0.486 256.974 0.625
202003 0.498 258.115 0.637
202006 1.261 257.797 1.615
202009 1.443 260.280 1.831
202012 1.110 260.474 1.407
202103 1.226 264.877 1.528
202106 1.004 271.696 1.220
202109 0.978 274.310 1.177
202112 0.690 278.802 0.817
202203 0.254 287.504 0.292
202206 0.426 296.311 0.475
202209 0.505 296.808 0.562
202212 0.368 296.797 0.409
202303 0.374 301.836 0.409
202306 0.258 305.109 0.279
202309 0.534 307.789 0.573
202312 0.403 306.746 0.434
202403 0.386 312.332 0.408
202406 0.288 314.175 0.303
202409 0.414 315.301 0.434
202412 0.525 315.605 0.549
202503 0.601 319.799 0.621
202506 0.494 322.561 0.506
202509 0.630 324.800 0.640
202512 0.589 324.054 0.600
202603 0.554 330.213 0.554

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.50 mean?
Hilltop Holdings (FRA:WXF) has a E10 of €2.50 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hilltop Holdings and its competitors.
Is Hilltop Holdings' E10 too high?
Hilltop Holdings' current E10 is €2.50. Overall, Hilltop Holdings has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hilltop Holdings' E10 compare to TMS and TREE?
Hilltop Holdings' E10 of €2.50 can be compared against companies in the Diversified Financial Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Diversified Financial Services company?
A good E10 depends on the Diversified Financial Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hilltop Holdings and its competitors. Hilltop Holdings's current E10 is €2.50. 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 (FRA:WXF) is currently considered Modestly Overvalued. The stock's GF Value™ is €30.49, compared to a current price of €34.40 — trading 12.8% above its estimated fair value. The current E10 is €2.50. Hilltop Holdings' overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Hilltop Holdings (FRA:WXF), the current E10 is €2.50 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 (FRA:WXF) Overvalued in 2026?

Based on GuruFocus' analysis, Hilltop Holdings stock appears to be overvalued. The current stock price of €34.40 is trading 12.8% above its estimated GF Value™ of €30.49. GuruFocus considers Hilltop Holdings to be Modestly Overvalued.

Key valuation signals for FRA:WXF:

  • E10: €2.50
  • GF Value™: €30.49 vs. price of €34.40 (12.8% above fair value)
  • GF Score™: 64/100 with 6 warning signs

No single metric tells the full story. See the FRA:WXF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Hilltop Holdings Business Description

Other Exchanges HTH:USA
Address 6565 Hillcrest Avenue, Dallas, TX, USA, 75205
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.
64GF Score

Get the complete analysis for FRA:WXF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.40
Price
€30.49
GF Value