Hilltop Holdings Inc (HTH)vsB. Riley Financial Inc (RILYL)
HTH
Hilltop Holdings Inc
$35.56
+0.62%
FINANCIAL SERVICES · Cap: $2.18B
RILYL
B. Riley Financial Inc
$12.08
+2.11%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 50% more annual revenue ($1.27B vs $850.34M). RILYL leads profitability with a 26.3% profit margin vs 13.0%. RILYL trades at a lower P/E of 1.9x. HTH earns a higher WallStSmart Score of 69/100 (B-).
HTH
Strong Buy69
out of 100
Grade: B-
RILYL
Hold36
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.3%
Fair Value
$123.55
Current Price
$35.56
$87.99 discount
Margin of Safety
+74.2%
Fair Value
$40.80
Current Price
$12.08
$28.72 discount
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
Earnings expanding 25.7% YoY
Attractively priced relative to earnings
Revenue surging 89.0% year-over-year
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Areas to Watch
4.9% revenue growth
ROE of 7.8% — below average capital efficiency
Negative free cash flow — burning cash
Smaller company, higher risk/reward
ROE of -33.9% — below average capital efficiency
Earnings declined 9.5%
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 : RILYL
The strongest argument for RILYL centers on P/E Ratio, Revenue Growth, Debt/Equity. Profitability is solid with margins at 26.3% and operating margin at 18.2%. Revenue growth of 89.0% demonstrates continued momentum.
Bear Case : HTH
The primary concerns for HTH are Revenue Growth, Return on Equity, Free Cash Flow.
Bear Case : RILYL
The primary concerns for RILYL are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
HTH profiles as a value stock while RILYL is a growth play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.30 — expect wider price swings.
RILYL is growing revenue faster at 89.0% — sustainability is the question.
RILYL generates stronger free cash flow (1M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (69/100 vs 36/100). RILYL offers better value entry with a 74.2% margin of safety. 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 →B. Riley Financial 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.
Visit Website →Compare with Other FINANCIAL CONGLOMERATES Stocks
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