WallStSmart

Hilltop Holdings Inc (HTH)vsVoya Financial Inc (VOYA)

VS

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

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 5.5Value: 7.0Quality: 5.3
Piotroski: 6/9

VOYA

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 6.3Quality: 6.8
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HTH3 strengths · Avg: 8.7/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.618/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

VOYA3 strengths · Avg: 8.0/10
P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
23.2%8/10

Earnings expanding 23.2% YoY

Areas to Watch

HTH4 concerns · Avg: 2.3/10
Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Revenue GrowthGrowth
-3.4%2/10

Revenue declined 3.4%

EPS GrowthGrowth
-1.5%2/10

Earnings declined 1.5%

Free Cash FlowQuality
$-133.90M2/10

Negative free cash flow — burning cash

VOYA2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.1%4/10

3.1% revenue growth

Free Cash FlowQuality
$-36.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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.

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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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