Hilltop Holdings Inc (HTH)vsBRC Group Holdings, Inc. (RILY)
HTH
Hilltop Holdings Inc
$37.37
+0.65%
FINANCIAL SERVICES · Cap: $2.21B
RILY
BRC Group Holdings, Inc.
$9.15
-3.89%
FINANCIAL SERVICES · Cap: $308.93M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 21% more annual revenue ($1.26B vs $1.05B). RILY leads profitability with a 50.8% profit margin vs 12.8%. RILY trades at a lower P/E of 0.6x. RILY earns a higher WallStSmart Score of 64/100 (C+).
HTH
Buy56
out of 100
Grade: C
RILY
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
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 40.2%
Revenue surging 113.4% year-over-year
Earnings expanding 11633.0% 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
Smaller company, higher risk/reward
ROE of -3385.0% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
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 : RILY
The strongest argument for RILY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 50.8% and operating margin at 40.2%. Revenue growth of 113.4% demonstrates continued momentum.
Bear Case : HTH
The primary concerns for HTH are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : RILY
The primary concerns for RILY are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 17.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
HTH profiles as a declining stock while RILY is a growth play — different risk/reward profiles.
RILY carries more volatility with a beta of 1.16 — expect wider price swings.
RILY is growing revenue faster at 113.4% — sustainability is the question.
RILY generates stronger free cash flow (223M), providing more financial flexibility.
Bottom Line
RILY scores higher overall (64/100 vs 56/100), backed by strong 50.8% margins and 113.4% revenue growth. 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 →BRC Group Holdings, Inc.
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.
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