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Side-by-side financial comparison of Hilltop Holdings Inc. (HTH) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
Hilltop Holdings Inc. is the larger business by last-quarter revenue ($300.5M vs $242.1M, roughly 1.2× ONESPAWORLD HOLDINGS Ltd). Hilltop Holdings Inc. runs the higher net margin — 13.0% vs 5.0%, a 8.0% gap on every dollar of revenue. Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% CAGR vs 0.6%).
Hilltop Holdings Inc. is a financial holding company based in Dallas, Texas. It offers financial products and banking services through three primary subsidiaries: PlainsCapital Bank, PrimeLending, and HilltopSecurities.
HTH vs OSW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $300.5M | $242.1M |
| Net Profit | $39.0M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | — | 6.8% |
| Net Margin | 13.0% | 5.0% |
| Revenue YoY | — | 11.5% |
| Net Profit YoY | -12.4% | -16.2% |
| EPS (diluted) | $0.64 | $0.12 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $300.5M | — | ||
| Q4 25 | $329.9M | $242.1M | ||
| Q3 25 | $330.2M | $258.5M | ||
| Q2 25 | $303.3M | $240.7M | ||
| Q1 25 | $318.5M | $219.6M | ||
| Q4 24 | $301.1M | $217.2M | ||
| Q3 24 | $305.5M | $241.7M | ||
| Q2 24 | $297.0M | $224.9M |
| Q1 26 | $39.0M | — | ||
| Q4 25 | $41.6M | $12.1M | ||
| Q3 25 | $45.8M | $24.3M | ||
| Q2 25 | $36.1M | $19.9M | ||
| Q1 25 | $42.1M | $15.3M | ||
| Q4 24 | $35.5M | $14.4M | ||
| Q3 24 | $29.7M | $21.6M | ||
| Q2 24 | $20.3M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | 16.1% | 6.8% | ||
| Q3 25 | 18.4% | 10.2% | ||
| Q2 25 | 16.3% | 9.2% | ||
| Q1 25 | 18.1% | 7.7% | ||
| Q4 24 | 14.7% | 7.9% | ||
| Q3 24 | 13.9% | 10.3% | ||
| Q2 24 | 10.0% | 8.4% |
| Q1 26 | 13.0% | — | ||
| Q4 25 | 12.6% | 5.0% | ||
| Q3 25 | 13.9% | 9.4% | ||
| Q2 25 | 11.9% | 8.3% | ||
| Q1 25 | 13.2% | 7.0% | ||
| Q4 24 | 11.8% | 6.6% | ||
| Q3 24 | 9.7% | 8.9% | ||
| Q2 24 | 6.8% | 7.0% |
| Q1 26 | $0.64 | — | ||
| Q4 25 | $0.68 | $0.12 | ||
| Q3 25 | $0.74 | $0.23 | ||
| Q2 25 | $0.57 | $0.19 | ||
| Q1 25 | $0.65 | $0.15 | ||
| Q4 24 | $0.55 | $0.13 | ||
| Q3 24 | $0.46 | $0.20 | ||
| Q2 24 | $0.31 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | $990.8M | $84.0M |
| Stockholders' EquityBook value | $2.2B | $542.6M |
| Total Assets | $15.7B | $707.1M |
| Debt / EquityLower = less leverage | 0.46× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
| Q1 26 | $990.8M | — | ||
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | $542.6M | ||
| Q3 25 | $2.2B | $552.8M | ||
| Q2 25 | $2.2B | $548.3M | ||
| Q1 25 | $2.2B | $530.6M | ||
| Q4 24 | $2.2B | $554.5M | ||
| Q3 24 | $2.2B | $540.1M | ||
| Q2 24 | $2.1B | $532.7M |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.8B | $707.1M | ||
| Q3 25 | $15.6B | $732.6M | ||
| Q2 25 | $15.4B | $731.8M | ||
| Q1 25 | $15.8B | $708.7M | ||
| Q4 24 | $16.3B | $746.4M | ||
| Q3 24 | $15.9B | $734.0M | ||
| Q2 24 | $15.6B | $756.8M |
| Q1 26 | 0.46× | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-38.7M | $20.0M | ||
| Q3 25 | $273.0M | $33.2M | ||
| Q2 25 | $-234.6M | $20.3M | ||
| Q1 25 | $5.8M | $10.1M | ||
| Q4 24 | $273.9M | $16.6M | ||
| Q3 24 | $515.6M | $28.6M | ||
| Q2 24 | $-435.3M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $-55.5M | $14.9M | ||
| Q3 25 | $271.0M | $27.6M | ||
| Q2 25 | $-234.6M | $17.6M | ||
| Q1 25 | $5.0M | $8.4M | ||
| Q4 24 | $266.8M | $13.2M | ||
| Q3 24 | $513.8M | $27.5M | ||
| Q2 24 | $-437.3M | $17.6M |
| Q1 26 | — | — | ||
| Q4 25 | -16.8% | 6.2% | ||
| Q3 25 | 82.1% | 10.7% | ||
| Q2 25 | -77.4% | 7.3% | ||
| Q1 25 | 1.6% | 3.8% | ||
| Q4 24 | 88.6% | 6.1% | ||
| Q3 24 | 168.2% | 11.4% | ||
| Q2 24 | -147.2% | 7.8% |
| Q1 26 | — | — | ||
| Q4 25 | 5.1% | 2.1% | ||
| Q3 25 | 0.6% | 2.2% | ||
| Q2 25 | 0.0% | 1.1% | ||
| Q1 25 | 0.3% | 0.8% | ||
| Q4 24 | 2.4% | 1.5% | ||
| Q3 24 | 0.6% | 0.5% | ||
| Q2 24 | 0.7% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | -0.93× | 1.65× | ||
| Q3 25 | 5.96× | 1.36× | ||
| Q2 25 | -6.50× | 1.02× | ||
| Q1 25 | 0.14× | 0.66× | ||
| Q4 24 | 7.71× | 1.15× | ||
| Q3 24 | 17.36× | 1.33× | ||
| Q2 24 | -21.41× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTH
| Noninterest Income | $188.4M | 63% |
| Net Interest Income | $112.1M | 37% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
