Hilltop Holdings Inc (HTH)vsBRC Group Holdings, Inc. (RILYL)
HTH
Hilltop Holdings Inc
$37.37
+0.65%
FINANCIAL SERVICES · Cap: $2.21B
RILYL
BRC Group Holdings, Inc.
$17.46
+2.52%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Hilltop Holdings Inc generates 21% more annual revenue ($1.26B vs $1.05B). RILYL leads profitability with a 50.8% profit margin vs 12.8%. RILYL trades at a lower P/E of 2.8x. HTH earns a higher WallStSmart Score of 56/100 (C).
HTH
Buy56
out of 100
Grade: C
RILYL
Buy50
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
Every $100 of equity generates 486 in profit
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
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 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 : RILYL
The primary concerns for RILYL are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 17.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
HTH profiles as a declining stock while RILYL is a growth play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.16 — expect wider price swings.
RILYL is growing revenue faster at 113.4% — sustainability is the question.
RILYL generates stronger free cash flow (223M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (56/100 vs 50/100). 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.
Visit Website →Compare with Other FINANCIAL CONGLOMERATES Stocks
Want to dig deeper into these stocks?