Hilltop Holdings Inc (HTH)vsLendingtree Inc (TREE)
HTH
Hilltop Holdings Inc
$35.56
+0.62%
FINANCIAL SERVICES · Cap: $2.18B
TREE
Lendingtree Inc
$42.50
+0.63%
FINANCIAL SERVICES · Cap: $591.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 14% more annual revenue ($1.27B vs $1.12B). TREE leads profitability with a 13.5% profit margin vs 13.0%. HTH appears more attractively valued with a PEG of 0.61. TREE earns a higher WallStSmart Score of 72/100 (B).
HTH
Strong Buy69
out of 100
Grade: B-
TREE
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.3%
Fair Value
$123.55
Current Price
$35.56
$87.99 discount
Margin of Safety
+91.7%
Fair Value
$504.50
Current Price
$42.49
$462.00 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 25.7% YoY
Attractively priced relative to earnings
Every $100 of equity generates 77 in profit
Reasonable price relative to book value
Revenue surging 22.2% year-over-year
Areas to Watch
4.9% revenue growth
ROE of 7.8% — below average capital efficiency
Negative free cash flow — burning cash
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HTH
The strongest argument for HTH centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.
Bull Case : TREE
The strongest argument for TREE centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 22.2% demonstrates continued momentum.
Bear Case : HTH
The primary concerns for HTH are Revenue Growth, Return on Equity, Free Cash Flow.
Bear Case : TREE
The primary concerns for TREE are Market Cap, PEG Ratio.
Key Dynamics to Monitor
HTH profiles as a value stock while TREE is a growth play — different risk/reward profiles.
TREE carries more volatility with a beta of 2.30 — expect wider price swings.
TREE is growing revenue faster at 22.2% — sustainability is the question.
TREE generates stronger free cash flow (14M), providing more financial flexibility.
Bottom Line
TREE scores higher overall (72/100 vs 69/100) and 22.2% revenue growth. HTH offers better value entry with a 68.3% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hilltop Holdings Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Hilltop Holdings Inc. provides consumer and commercial banking and financial products and services. The company is headquartered in Dallas, Texas.
Visit Website →Lendingtree Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.
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