Hilltop Holdings Inc (HTH)vsBRC Group Holdings, Inc. (RILYL)
HTH
Hilltop Holdings Inc
$38.68
-0.57%
FINANCIAL SERVICES · Cap: $2.20B
RILYL
BRC Group Holdings, Inc.
$13.09
+0.69%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 19% more annual revenue ($1.27B vs $1.07B). RILYL leads profitability with a 38.6% profit margin vs 12.7%. RILYL trades at a lower P/E of 2.2x. HTH earns a higher WallStSmart Score of 66/100 (B-).
HTH
Strong Buy66
out of 100
Grade: B-
RILYL
Avoid30
out of 100
Grade: F
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
Every $100 of equity generates 277 in profit
Keeps 39 of every $100 in revenue as profit
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
Earnings declined 90.0%
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 : RILYL
The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. 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 : RILYL
The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.
Key Dynamics to Monitor
HTH profiles as a value stock while RILYL is a mature play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.22 — expect wider price swings.
RILYL is growing revenue faster at 10.4% — sustainability is the question.
RILYL generates stronger free cash flow (73M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (66/100 vs 30/100). Both earn "Strong Buy" and "Avoid" 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.
Visit Website →Compare with Other FINANCIAL CONGLOMERATES Stocks
Want to dig deeper into these stocks?