Hilltop Holdings Inc. (HTH) vs BRC Group Holdings, Inc. (RILY)

Hilltop Holdings Inc. and BRC Group Holdings, Inc. are both Financial Conglomerates companies. Hilltop Holdings Inc. is the larger, with a market value of $2.1B against $152.4M — 13.7× the size. BRC Group Holdings, Inc. trades at the lower P/E: 1.0× against 15.2×. BRC Group Holdings, Inc. grew revenue faster over the last twelve months: 49.9% against −4.10%. Hilltop Holdings Inc. has the higher net margin (9.08% vs 0.00%) and the higher return on invested capital (56.5% vs 0.00%). Only Hilltop Holdings Inc. pays a dividend (2.31%). Across the 20 metrics below, BRC Group Holdings, Inc. leads on 13 and Hilltop Holdings Inc. on 7.

Valuation

Metric HTH RILY Financial Conglomerates median
P/E 15.16 0.95 14.11
P/S 1.34 0.13 1.34
P/B 0.97 n/m 1.58
Price to free cash flow 16.59 1.01 —
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.60% 104.92% 6.84%
Free cash flow yield 6.03% 99.23% 2.85%

Profitability

Metric HTH RILY Financial Conglomerates median
Gross margin 80.92% 77.18% 77.18%
Operating margin 0.00% 28.07% 16.15%
Net margin 9.08% 0.00% 6.84%
Free cash flow margin 8.06% 0.00% 0.00%
Return on equity 6.48% (55.57%) 7.91%
Return on assets 0.89% 4.42% 1.10%
Return on invested capital 56.45% 0.00% 5.21%

Growth

Metric HTH RILY Financial Conglomerates median
Revenue growth (TTM) (4.10%) 49.93% 5.92%
EPS growth (last fiscal year) 51.72% 138.49% 41.46%
Revenue growth, 5-year CAGR (6.19%) 3.01% 1.37%
Net income growth, 5-year CAGR (18.04%) 8.35% 0.49%

Health

Metric HTH RILY Financial Conglomerates median
Debt to equity 0.00 (0.72) 0.80
Current ratio 1.08 3.95 1.12
Net debt to EBITDA 0.00 6.55 0.64

Dividend

Metric HTH RILY Financial Conglomerates median
Dividend yield 2.31% 0.00% —
Payout ratio 0.35 0.00 —

Size

Metric HTH RILY Financial Conglomerates median
Market cap 2.09b 152.36m 5.48b

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