Hilltop Holdings Inc (HTH)vsB. Riley Financial Inc (RILY)
HTH
Hilltop Holdings Inc
$35.56
+0.62%
FINANCIAL SERVICES · Cap: $2.12B
RILY
B. Riley Financial Inc
$7.25
+2.84%
FINANCIAL SERVICES · Cap: $156.66M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 99% more annual revenue ($1.27B vs $639.16M). HTH leads profitability with a 13.0% profit margin vs -119.6%. HTH earns a higher WallStSmart Score of 69/100 (B-).
HTH
Strong Buy69
out of 100
Grade: B-
RILY
Avoid30
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
Intrinsic value data unavailable for RILY.
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
No standout strengths identified
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
Revenue declined 28.7%
Earnings declined 9.5%
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
RILY has a balanced fundamental profile.
Bear Case : HTH
The primary concerns for HTH are Revenue Growth, Return on Equity, Free Cash Flow.
Bear Case : RILY
The primary concerns for RILY are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
HTH profiles as a value stock while RILY is a turnaround play — different risk/reward profiles.
RILY carries more volatility with a beta of 1.26 — expect wider price swings.
HTH is growing revenue faster at 4.9% — sustainability is the question.
RILY generates stronger free cash flow (1M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (69/100 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 →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.
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