Hilltop Holdings Inc (HTH)vsBRC Group Holdings, Inc. (RILY)
HTH
Hilltop Holdings Inc
$38.68
-0.57%
FINANCIAL SERVICES · Cap: $2.20B
RILY
BRC Group Holdings, Inc.
$6.60
+0.30%
FINANCIAL SERVICES · Cap: $282.60M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 19% more annual revenue ($1.27B vs $1.07B). RILY leads profitability with a 38.6% profit margin vs 12.7%. RILY trades at a lower P/E of 0.6x. HTH earns a higher WallStSmart Score of 66/100 (B-).
HTH
Strong Buy66
out of 100
Grade: B-
RILY
Hold47
out of 100
Grade: D+
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 39 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
ROE of 7.5% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -3385.0% — below average capital efficiency
Earnings declined 90.0%
Distress zone — elevated risk
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, Price/Book. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : HTH
The primary concerns for HTH are Return on Equity, Free Cash Flow, Altman Z-Score.
Bear Case : RILY
The primary concerns for RILY are Market Cap, Return on Equity, EPS Growth. Debt-to-equity of 9.31 is elevated, increasing financial risk.
Key Dynamics to Monitor
HTH profiles as a value stock while RILY is a mature play — different risk/reward profiles.
RILY carries more volatility with a beta of 1.22 — expect wider price swings.
RILY is growing revenue faster at 10.4% — sustainability is the question.
RILY generates stronger free cash flow (73M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (66/100 vs 47/100). Both earn "Strong Buy" and "Hold" 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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