Hilltop HoldingsHTH +1.16%61 Return-on-Tangible-Equity is 8.12% as of Mar. 2026, which is 5% below its 10-year median of 8.52. GuruFocus rates HTH with a GF Score™ of 61/100 and a GF Value™ of $35.40 (Fairly Valued). The stock has 6 warning signs investors should review. Among 489 Diversified Financial Services companies, Hilltop Holdings ranks better than 87.32% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Hilltop Holdings's annualized net income for the quarter that ended in Mar. 2026 was $151 Mil. Hilltop Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,865 Mil. Therefore, Hilltop Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.12%.
The historical rank and industry rank for Hilltop Holdings's Return-on-Tangible-Equity or its related term are showing as below:
HTH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.94 Med: 8.52 Max: 24.57
Current: 8.52
During the past 13 years, Hilltop Holdings's highest Return-on-Tangible-Equity was 24.57%. The lowest was 5.94%. And the median was 8.52%.
HTH's Return-on-Tangible-Equity is ranked better than 87.32% of 489
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs HTH: 8.52
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Hilltop Holdings Return-on-Tangible-Equity Related Terms
Hilltop Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Hilltop Holdings's Return-on-Tangible-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.
HTH vs TMS, TREE, RILY: Return-on-Tangible-Equity Comparison
For the Financial Conglomerates subindustry, Hilltop Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hilltop Holdings's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.12% mean?
Hilltop Holdings (HTH) has a Return-on-Tangible-Equity of 8.12% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hilltop Holdings and its competitors. This is near median its historical median of 8.52. Over the past decade, Hilltop Holdings' Return-on-Tangible-Equity has ranged from 5.94 to 24.57. According to the industry distribution chart, Hilltop Holdings ranks #62 out of 489 companies in the Diversified Financial Services industry, placing it in the top 12.7%.
Is Hilltop Holdings' Return-on-Tangible-Equity too high?
Hilltop Holdings' current Return-on-Tangible-Equity of 8.12% is near median its 10-year median of 8.52. Over the past 10 years, this metric has ranged from a low of 5.94 to a high of 24.57. The Diversified Financial Services industry median Return-on-Tangible-Equity is 1.65. Hilltop Holdings' value of 8.12% is 392.1% above this industry median. Based on the distribution chart, Hilltop Holdings ranks #62 out of 489 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. 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' Return-on-Tangible-Equity compare to TMS and TREE?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #62 out of 489 companies for Return-on-Tangible-Equity. This places Hilltop Holdings in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 1.65. Hilltop Holdings' value of 8.12% is 392.1% above this benchmark. Historically, Hilltop Holdings' own Return-on-Tangible-Equity has ranged from 5.94 to 24.57 over the past decade. While the company's 10-year median is 8.52 vs. the industry median of 1.65, 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 Return-on-Tangible-Equity for a Diversified Financial Services company?
The median Return-on-Tangible-Equity among Diversified Financial Services companies is 1.65, based on 489 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hilltop Holdings's current Return-on-Tangible-Equity of 8.12% is 392.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hilltop Holdings and its competitors. For the Diversified Financial Services industry, the median Return-on-Tangible-Equity is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hilltop Holdings's current Return-on-Tangible-Equity is 8.12%, which is near median its own 10-year median of 8.52. 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 $35.40, compared to a current price of $39.23 — trading 10.8% above its estimated fair value. The current Return-on-Tangible-Equity is 8.12%, which is near median its 10-year median of 8.52 and 392.1% above the Diversified Financial Services industry median of 1.65. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current Return-on-Tangible-Equity is 8.12% 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 $39.23 is trading 10.8% above its estimated GF Value™ of $35.40.
GuruFocus considers Hilltop Holdings to be Fairly Valued.
Key valuation signals for HTH:
Return-on-Tangible-Equity: 8.12% (near median its 10-year median of 8.52)
GF Value™: $35.40 vs. price of $39.23 (10.8% above fair value)
Industry Position: 392.1% above the Diversified Financial Services median (#62 of 489)
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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