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Side-by-side financial comparison of Hilltop Holdings Inc. (HTH) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
Hilltop Holdings Inc. is the larger business by last-quarter revenue ($300.5M vs $153.1M, roughly 2.0× CPI Card Group Inc.). Hilltop Holdings Inc. runs the higher net margin — 13.0% vs 4.8%, a 8.2% gap on every dollar of revenue. Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
HTH vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $300.5M | $153.1M |
| Net Profit | $39.0M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | — | 12.0% |
| Net Margin | 13.0% | 4.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | -12.4% | 8.5% |
| EPS (diluted) | $0.64 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $330.2M | $138.0M | ||
| Q2 25 | $303.3M | $129.8M | ||
| Q1 25 | $318.5M | $122.8M | ||
| Q4 24 | $301.1M | $125.1M | ||
| Q3 24 | $305.5M | $124.8M | ||
| Q2 24 | $297.0M | $118.8M |
| Q1 26 | $39.0M | — | ||
| Q4 25 | $41.6M | $7.3M | ||
| Q3 25 | $45.8M | $2.3M | ||
| Q2 25 | $36.1M | $518.0K | ||
| Q1 25 | $42.1M | $4.8M | ||
| Q4 24 | $35.5M | $6.8M | ||
| Q3 24 | $29.7M | $1.3M | ||
| Q2 24 | $20.3M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 16.1% | 12.0% | ||
| Q3 25 | 18.4% | 9.4% | ||
| Q2 25 | 16.3% | 7.3% | ||
| Q1 25 | 18.1% | 11.5% | ||
| Q4 24 | 14.7% | 12.7% | ||
| Q3 24 | 13.9% | 14.3% | ||
| Q2 24 | 10.0% | 12.5% |
| Q1 26 | 13.0% | — | ||
| Q4 25 | 12.6% | 4.8% | ||
| Q3 25 | 13.9% | 1.7% | ||
| Q2 25 | 11.9% | 0.4% | ||
| Q1 25 | 13.2% | 3.9% | ||
| Q4 24 | 11.8% | 5.4% | ||
| Q3 24 | 9.7% | 1.0% | ||
| Q2 24 | 6.8% | 5.1% |
| Q1 26 | $0.64 | — | ||
| Q4 25 | $0.68 | $0.62 | ||
| Q3 25 | $0.74 | $0.19 | ||
| Q2 25 | $0.57 | $0.04 | ||
| Q1 25 | $0.65 | $0.40 | ||
| Q4 24 | $0.55 | $0.56 | ||
| Q3 24 | $0.46 | $0.11 | ||
| Q2 24 | $0.31 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | $990.8M | $286.7M |
| Stockholders' EquityBook value | $2.2B | $-17.3M |
| Total Assets | $15.7B | $403.2M |
| Debt / EquityLower = less leverage | 0.46× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M |
| Q1 26 | $990.8M | — | ||
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M |
| Q1 26 | $2.2B | — | ||
| Q4 25 | $2.2B | $-17.3M | ||
| Q3 25 | $2.2B | $-25.7M | ||
| Q2 25 | $2.2B | $-29.0M | ||
| Q1 25 | $2.2B | $-29.7M | ||
| Q4 24 | $2.2B | $-35.6M | ||
| Q3 24 | $2.2B | $-42.8M | ||
| Q2 24 | $2.1B | $-44.6M |
| Q1 26 | $15.7B | — | ||
| Q4 25 | $15.8B | $403.2M | ||
| Q3 25 | $15.6B | $407.1M | ||
| Q2 25 | $15.4B | $399.8M | ||
| Q1 25 | $15.8B | $351.9M | ||
| Q4 24 | $16.3B | $349.7M | ||
| Q3 24 | $15.9B | $342.3M | ||
| Q2 24 | $15.6B | $321.4M |
| 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 | — | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-38.7M | $39.6M | ||
| Q3 25 | $273.0M | $10.0M | ||
| Q2 25 | $-234.6M | $4.3M | ||
| Q1 25 | $5.8M | $5.6M | ||
| Q4 24 | $273.9M | $26.7M | ||
| Q3 24 | $515.6M | $12.5M | ||
| Q2 24 | $-435.3M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | $-55.5M | $35.2M | ||
| Q3 25 | $271.0M | $5.3M | ||
| Q2 25 | $-234.6M | $533.0K | ||
| Q1 25 | $5.0M | $292.0K | ||
| Q4 24 | $266.8M | $21.6M | ||
| Q3 24 | $513.8M | $11.1M | ||
| Q2 24 | $-437.3M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | -16.8% | 23.0% | ||
| Q3 25 | 82.1% | 3.8% | ||
| Q2 25 | -77.4% | 0.4% | ||
| Q1 25 | 1.6% | 0.2% | ||
| Q4 24 | 88.6% | 17.3% | ||
| Q3 24 | 168.2% | 8.9% | ||
| Q2 24 | -147.2% | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | 5.1% | 2.9% | ||
| Q3 25 | 0.6% | 3.4% | ||
| Q2 25 | 0.0% | 2.9% | ||
| Q1 25 | 0.3% | 4.3% | ||
| Q4 24 | 2.4% | 4.0% | ||
| Q3 24 | 0.6% | 1.2% | ||
| Q2 24 | 0.7% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | -0.93× | 5.39× | ||
| Q3 25 | 5.96× | 4.32× | ||
| Q2 25 | -6.50× | 8.39× | ||
| Q1 25 | 0.14× | 1.17× | ||
| Q4 24 | 7.71× | 3.94× | ||
| Q3 24 | 17.36× | 9.70× | ||
| Q2 24 | -21.41× | -0.79× |
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% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
