Hilltop Holdings Inc (HTH)vsVoya Financial Inc (VOYA)
HTH
Hilltop Holdings Inc
$37.37
+0.65%
FINANCIAL SERVICES · Cap: $2.21B
VOYA
Voya Financial Inc
$86.69
+3.28%
FINANCIAL SERVICES · Cap: $8.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Voya Financial Inc generates 553% more annual revenue ($8.25B vs $1.26B). HTH leads profitability with a 12.8% profit margin vs 8.2%. HTH appears more attractively valued with a PEG of 0.61. VOYA earns a higher WallStSmart Score of 64/100 (C+).
HTH
Buy56
out of 100
Grade: C
VOYA
Buy64
out of 100
Grade: C+
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
Earnings expanding 23.2% YoY
Areas to Watch
ROE of 7.5% — below average capital efficiency
Revenue declined 3.4%
Earnings declined 1.5%
Negative free cash flow — burning cash
3.1% revenue growth
Negative free cash flow — burning cash
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 Return on Equity, Revenue Growth, EPS Growth.
Bear Case : VOYA
The primary concerns for VOYA are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
HTH profiles as a declining stock while VOYA is a value play — different risk/reward profiles.
VOYA carries more volatility with a beta of 0.92 — expect wider price swings.
VOYA is growing revenue faster at 3.1% — sustainability is the question.
VOYA generates stronger free cash flow (-36M), providing more financial flexibility.
Bottom Line
VOYA scores higher overall (64/100 vs 56/100). Both earn "Buy" and "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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