Hilltop Holdings Inc (HTH)vsVoya Financial Inc (VOYA)
HTH
Hilltop Holdings Inc
$38.68
-0.57%
FINANCIAL SERVICES · Cap: $2.20B
VOYA
Voya Financial Inc
$103.41
+0.72%
FINANCIAL SERVICES · Cap: $9.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Voya Financial Inc generates 543% more annual revenue ($8.17B vs $1.27B). HTH leads profitability with a 12.7% profit margin vs 7.5%. HTH appears more attractively valued with a PEG of 0.61. HTH earns a higher WallStSmart Score of 66/100 (B-).
HTH
Strong Buy66
out of 100
Grade: B-
VOYA
Hold47
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 7.5% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
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. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : HTH
The primary concerns for HTH are Return on Equity, Free Cash Flow, Altman Z-Score.
Bear Case : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
VOYA carries more volatility with a beta of 0.89 — expect wider price swings.
HTH is growing revenue faster at 5.2% — sustainability is the question.
VOYA generates stronger free cash flow (503M), providing more financial flexibility.
Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HTH scores higher overall (66/100 vs 47/100). Both earn "Strong Buy" and "Hold" 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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