HTH (Hilltop Holdings) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


HTH Hilltop Holdings Inc HTH
61 GF Score
Price $39.18
GF Value $35.40
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Hilltop Holdings Scaled Net Operating Assets?

Hilltop Holdings HTH +1.29% 61 Scaled Net Operating Assets is 0.03 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hilltop Holdings's operating assets for the quarter that ended in Mar. 2026 was $13,522 Mil. Hilltop Holdings's operating liabilities for the quarter that ended in Mar. 2026 was $12,972 Mil. Hilltop Holdings's Total Assets for the quarter that ended in Dec. 2025 was $15,845 Mil. Therefore, Hilltop Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

HTH
61GF Score
Hilltop Holdings Inc HTH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hilltop Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Hilltop Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(14613.05-13144.281)/16268.129
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=15844.994 - 1231.944
=14613.05

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=13647.388 - 248.742 - 254.365
=13144.281

Hilltop Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(13521.505-12971.92)/15844.994
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=15701.856 - 2180.351
=13521.505

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=13528.132 - 254.811 - 301.401
=12971.92

* 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.

What does a Scaled Net Operating Assets of 0.03 mean?
Hilltop Holdings (HTH) has a Scaled Net Operating Assets of 0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hilltop Holdings and its competitors.
Is Hilltop Holdings' Scaled Net Operating Assets too high?
Hilltop Holdings' current Scaled Net Operating Assets is 0.03. 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' Scaled Net Operating Assets compare to TREE and RILY?
Hilltop Holdings' Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Diversified Financial Services company?
A good Scaled Net Operating Assets depends on the Diversified Financial Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Hilltop Holdings and its competitors. Hilltop Holdings's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Hilltop Holdings (HTH), the current Scaled Net Operating Assets is 0.03 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:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: $35.40 vs. price of $39.18 (10.7% above fair value)
  • GF Score™: 61/100 with 6 warning signs

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 Business Description

Other Exchanges WXF:Germany
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.
61GF Score

Get the complete analysis for HTH

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

$39.18
Price
$35.40
GF Value