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HTH vs MA

HTH
Hilltop Holdings Inc.
BEARISH
Price
$36.80
Market Cap
$2.15B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HTH
13.99
MA
30.28
Forward P/E
HTH
15.68
MA
22.05
P/B Ratio
HTH
1.01
MA
57.74
P/S Ratio
HTH
1.7
MA
13.6
EV/EBITDA
HTH
--
MA
22.13

Profitability

Gross Margin
HTH
0.0%
MA
100.0%
Operating Margin
HTH
16.89%
MA
57.73%
Profit Margin
HTH
12.76%
MA
45.65%
ROE
HTH
7.56%
MA
209.91%
ROA
HTH
1.06%
MA
23.72%

Growth

Revenue Growth
HTH
-3.4%
MA
17.6%
Earnings Growth
HTH
-1.5%
MA
24.2%

Financial Health

Debt/Equity
HTH
--
MA
2.56
Current Ratio
HTH
--
MA
1.03
Quick Ratio
HTH
--
MA
0.68

Dividends

Dividend Yield
HTH
2.07%
MA
0.7%
Payout Ratio
HTH
28.14%
MA
18.4%

AI Verdict

HTH BEARISH

Hilltop Holdings exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 2/9, indicating deteriorating financial health. While the stock appears undervalued based on the Graham Number ($46.42) and a low P/E of 13.99, this is offset by negative YoY revenue (-3.40%) and earnings growth (-1.50%). The significant discrepancy between the Graham Number and the growth-based Intrinsic Value ($18.41) suggests the market is pricing in a lack of growth. Combined with bearish insider activity and a 0/100 technical trend, the outlook is negative despite consistent earnings beats.

Strengths
Low P/E ratio (13.99) relative to sector averages
Price/Book ratio of 1.01 suggests the stock is trading near its liquidation value
Strong track record of beating analyst EPS estimates (3/4 last 4 quarters)
Risks
Critical financial health deterioration (Piotroski F-Score 2/9)
Negative year-over-year revenue and earnings growth
Bearish insider sentiment with nearly $10M in recent selling
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

HTH vs MA: Head-to-Head Comparison

This page compares Hilltop Holdings Inc. (HTH) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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