Hilltop HoldingsHTH +1.29%61 ROE % is 7.02% as of Mar. 2026, which is 4% below its 10-year median of 7.31. GuruFocus rates HTH with a GF Score™ of 61/100 and a GF Value™ of $35.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 492 Diversified Financial Services companies, Hilltop Holdings ranks better than 87.4% on this metric.
The historical rank and industry rank for Hilltop Holdings's ROE % or its related term are showing as below:
HTH'
s ROE % Range Over the Past 10 Years
Min: 4.96 Med: 7.31 Max: 20.23
Current: 7.4
During the past 13 years, Hilltop Holdings's highest ROE % was 20.23%. The lowest was 4.96%. And the median was 7.31%.
HTH's ROE % is ranked better than 87.4% of 492
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs HTH: 7.40
Hilltop Holdings (NYSE:HTH) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Hilltop Holdings ROE % Related Terms
Hilltop Holdings ROE % Historical Data
* Premium members only.
The historical data trend for Hilltop Holdings's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Hilltop Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Hilltop Holdings's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Hilltop Holdings (HTH) has a ROE % of 7.02% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hilltop Holdings and its competitors. This is near median its historical median of 7.31. Over the past decade, Hilltop Holdings' ROE % has ranged from 4.96 to 20.23. According to the industry distribution chart, Hilltop Holdings ranks #62 out of 492 companies in the Diversified Financial Services industry, placing it in the top 12.6%.
Is Hilltop Holdings' ROE % too high?
Hilltop Holdings' current ROE % of 7.02% is near median its 10-year median of 7.31. Over the past 10 years, this metric has ranged from a low of 4.96 to a high of 20.23. The Diversified Financial Services industry median ROE % is 1.65. Hilltop Holdings' value of 7.02% is 325.5% above this industry median. Based on the distribution chart, Hilltop Holdings ranks #62 out of 492 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hilltop Holdings' ROE % compare to TREE and RILY?
According to the Diversified Financial Services industry distribution chart, Hilltop Holdings ranks #62 out of 492 companies for ROE %. This places Hilltop Holdings in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 1.65. Hilltop Holdings' value of 7.02% is 325.5% above this benchmark. Historically, Hilltop Holdings' own ROE % has ranged from 4.96 to 20.23 over the past decade. While the company's 10-year median is 7.31 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 ROE % for a Diversified Financial Services company?
The median ROE % among Diversified Financial Services companies is 1.65, based on 492 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hilltop Holdings's current ROE % of 7.02% is 325.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hilltop Holdings and its competitors. For the Diversified Financial Services industry, the median ROE % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hilltop Holdings's current ROE % is 7.02%, which is near median its own 10-year median of 7.31. 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 Modestly Overvalued. The stock's GF Value™ is $35.40, compared to a current price of $39.18 — trading 10.7% above its estimated fair value. The current ROE % is 7.02%, which is near median its 10-year median of 7.31 and 325.5% 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current ROE % is 7.02% 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 $39.18 is trading 10.7% above its estimated GF Value™ of $35.40.
GuruFocus considers Hilltop Holdings to be Modestly Overvalued.
Key valuation signals for HTH:
ROE %: 7.02% (near median its 10-year median of 7.31)
GF Value™: $35.40 vs. price of $39.18 (10.7% above fair value)
Industry Position: 325.5% above the Diversified Financial Services median (#62 of 492)
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
Get the complete analysis for HTH
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HTH has been successfully added to your 
