Hilltop Holdings Inc (HTH)vsVoya Financial Inc (VOYA)
HTH
Hilltop Holdings Inc
$35.56
+0.62%
FINANCIAL SERVICES · Cap: $2.12B
VOYA
Voya Financial Inc
$68.21
+0.52%
FINANCIAL SERVICES · Cap: $6.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Voya Financial Inc generates 543% more annual revenue ($8.19B vs $1.27B). HTH leads profitability with a 13.0% profit margin vs 8.0%. HTH appears more attractively valued with a PEG of 0.61. VOYA earns a higher WallStSmart Score of 70/100 (B).
HTH
Strong Buy69
out of 100
Grade: B-
VOYA
Strong Buy70
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
+74.4%
Fair Value
$294.37
Current Price
$68.21
$226.16 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
Reasonable price relative to book value
Earnings expanding 48.1% YoY
Areas to Watch
4.9% revenue growth
ROE of 7.8% — below average capital efficiency
Negative free cash flow — burning cash
8.0% margin — thin
Weak financial health signals
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 : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : HTH
The primary concerns for HTH are Revenue Growth, Return on Equity, Free Cash Flow.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
HTH carries more volatility with a beta of 0.92 — expect wider price swings.
VOYA is growing revenue faster at 5.0% — sustainability is the question.
VOYA generates stronger free cash flow (557M), providing more financial flexibility.
Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
VOYA scores higher overall (70/100 vs 69/100). 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 →Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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