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Side-by-side financial comparison of Hilltop Holdings Inc. (HTH) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $300.5M, roughly 1.1× Hilltop Holdings Inc.). Hilltop Holdings Inc. runs the higher net margin — 13.0% vs 6.3%, a 6.7% gap on every dollar of revenue. Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% 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.
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
HTH vs PAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $300.5M | $330.5M |
| Net Profit | $39.0M | $20.7M |
| Gross Margin | — | 25.4% |
| Operating Margin | — | 7.3% |
| Net Margin | 13.0% | 6.3% |
| Revenue YoY | — | 28.1% |
| Net Profit YoY | -12.4% | 57.2% |
| EPS (diluted) | $0.64 | $0.16 |
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 | $330.5M | ||
| Q3 25 | $330.2M | $310.7M | ||
| Q2 25 | $303.3M | $280.1M | ||
| Q1 25 | $318.5M | $275.2M | ||
| Q4 24 | $301.1M | $257.9M | ||
| Q3 24 | $305.5M | $231.6M | ||
| Q2 24 | $297.0M | $197.4M |
| Q1 26 | $39.0M | — | ||
| Q4 25 | $41.6M | $20.7M | ||
| Q3 25 | $45.8M | $17.7M | ||
| Q2 25 | $36.1M | $14.7M | ||
| Q1 25 | $42.1M | $13.8M | ||
| Q4 24 | $35.5M | $13.1M | ||
| Q3 24 | $29.7M | $14.4M | ||
| Q2 24 | $20.3M | $9.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 25.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 24.0% | ||
| Q4 24 | — | 25.6% | ||
| Q3 24 | — | 26.2% | ||
| Q2 24 | — | 29.8% |
| Q1 26 | — | — | ||
| Q4 25 | 16.1% | 7.3% | ||
| Q3 25 | 18.4% | 6.4% | ||
| Q2 25 | 16.3% | 5.7% | ||
| Q1 25 | 18.1% | 5.7% | ||
| Q4 24 | 14.7% | 5.5% | ||
| Q3 24 | 13.9% | 5.2% | ||
| Q2 24 | 10.0% | 5.2% |
| Q1 26 | 13.0% | — | ||
| Q4 25 | 12.6% | 6.3% | ||
| Q3 25 | 13.9% | 5.7% | ||
| Q2 25 | 11.9% | 5.3% | ||
| Q1 25 | 13.2% | 5.0% | ||
| Q4 24 | 11.8% | 5.1% | ||
| Q3 24 | 9.7% | 6.2% | ||
| Q2 24 | 6.8% | 4.7% |
| Q1 26 | $0.64 | — | ||
| Q4 25 | $0.68 | $0.16 | ||
| Q3 25 | $0.74 | $0.14 | ||
| Q2 25 | $0.57 | $0.11 | ||
| Q1 25 | $0.65 | $0.11 | ||
| Q4 24 | $0.55 | $0.11 | ||
| Q3 24 | $0.46 | $0.11 | ||
| Q2 24 | $0.31 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $320.9M |
| Total DebtLower is stronger | $990.8M | — |
| Stockholders' EquityBook value | $2.2B | $560.4M |
| Total Assets | $15.7B | $667.9M |
| Debt / EquityLower = less leverage | 0.46× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $320.9M | ||
| Q3 25 | — | $287.9M | ||
| Q2 25 | — | $266.4M | ||
| Q1 25 | — | $245.8M | ||
| Q4 24 | — | $205.9M | ||
| Q3 24 | — | $187.5M | ||
| Q2 24 | — | $188.8M |
| Q1 26 | $990.8M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | $560.4M | ||
| Q3 25 | $2.2B | $537.4M | ||
| Q2 25 | $2.2B | $516.7M | ||
| Q1 25 | $2.2B | $500.4M | ||
| Q4 24 | $2.2B | $485.6M | ||
| Q3 24 | $2.2B | $468.8M | ||
| Q2 24 | $2.1B | $451.6M |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.8B | $667.9M | ||
| Q3 25 | $15.6B | $644.4M | ||
| Q2 25 | $15.4B | $609.5M | ||
| Q1 25 | $15.8B | $590.9M | ||
| Q4 24 | $16.3B | $576.2M | ||
| Q3 24 | $15.9B | $552.9M | ||
| Q2 24 | $15.6B | $527.7M |
| Q1 26 | 0.46× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $45.1M |
| Free Cash FlowOCF − Capex | — | $45.0M |
| FCF MarginFCF / Revenue | — | 13.6% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | — | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-38.7M | $45.1M | ||
| Q3 25 | $273.0M | $35.1M | ||
| Q2 25 | $-234.6M | $31.5M | ||
| Q1 25 | $5.8M | $50.4M | ||
| Q4 24 | $273.9M | $27.9M | ||
| Q3 24 | $515.6M | $6.7M | ||
| Q2 24 | $-435.3M | $18.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-55.5M | $45.0M | ||
| Q3 25 | $271.0M | $35.0M | ||
| Q2 25 | $-234.6M | $31.4M | ||
| Q1 25 | $5.0M | $50.4M | ||
| Q4 24 | $266.8M | $27.8M | ||
| Q3 24 | $513.8M | $6.7M | ||
| Q2 24 | $-437.3M | $17.8M |
| Q1 26 | — | — | ||
| Q4 25 | -16.8% | 13.6% | ||
| Q3 25 | 82.1% | 11.3% | ||
| Q2 25 | -77.4% | 11.2% | ||
| Q1 25 | 1.6% | 18.3% | ||
| Q4 24 | 88.6% | 10.8% | ||
| Q3 24 | 168.2% | 2.9% | ||
| Q2 24 | -147.2% | 9.0% |
| Q1 26 | — | — | ||
| Q4 25 | 5.1% | 0.0% | ||
| Q3 25 | 0.6% | 0.0% | ||
| Q2 25 | 0.0% | 0.0% | ||
| Q1 25 | 0.3% | 0.0% | ||
| Q4 24 | 2.4% | 0.0% | ||
| Q3 24 | 0.6% | 0.0% | ||
| Q2 24 | 0.7% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | -0.93× | 2.18× | ||
| Q3 25 | 5.96× | 1.98× | ||
| Q2 25 | -6.50× | 2.14× | ||
| Q1 25 | 0.14× | 3.65× | ||
| Q4 24 | 7.71× | 2.12× | ||
| Q3 24 | 17.36× | 0.47× | ||
| Q2 24 | -21.41× | 1.93× |
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% |
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
