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 $2.2B against $234.0M — 9.4× the size. BRC Group Holdings, Inc. trades at the lower P/E: 0.4× against 14.3×. BRC Group Holdings, Inc. grew revenue faster over the last twelve months: 49.9% against −1.28%. BRC Group Holdings, Inc. has the higher net margin (35.2% vs 10.2%) and the higher return on invested capital (25.2% vs 21.7%). Both pay a dividend; BRC Group Holdings, Inc. yields more (22.0% vs 2.22%). Across the 21 metrics below, BRC Group Holdings, Inc. leads on 15 and Hilltop Holdings Inc. on 6.

Valuation

Metric HTH RILY Financial Conglomerates median
P/E 14.28 0.45 12.75
P/S 1.40 0.19 1.24
P/B 1.03 1.07 1.23
Price to free cash flow n/m n/m —
EV/EBITDA n/m 2.19 5.65
EV/Sales 0.72 0.70 1.04
Earnings yield 7.00% 223.99% 7.96%
Free cash flow yield (4.90%) (8.54%) (2.60%)

Profitability

Metric HTH RILY Financial Conglomerates median
Gross margin 80.23% 77.18% 78.71%
Operating margin 0.00% 28.07% 16.22%
Net margin 10.17% 35.18% 12.25%
Free cash flow margin (6.87%) (1.61%) (0.81%)
Return on equity 7.38% (747.09%) 9.79%
Return on assets 1.03% 22.98% 2.35%
Return on invested capital 21.67% 25.17% 8.06%

Growth

Metric HTH RILY Financial Conglomerates median
Revenue growth (TTM) (1.28%) 49.93% 10.84%
EPS growth (last fiscal year) 51.72% 138.49% —
Revenue growth, 5-year CAGR (6.19%) 3.01% 2.19%
Net income growth, 5-year CAGR (18.04%) 8.35% 0.25%

Health

Metric HTH RILY Financial Conglomerates median
Debt to equity 0.00 7.29 1.10
Current ratio 1.07 3.95 1.51
Net debt to EBITDA 0.00 6.55 1.51

Dividend

Metric HTH RILY Financial Conglomerates median
Dividend yield 2.22% 22.04% —
Payout ratio 0.40 2.47 0.26

Size

Metric HTH RILY Financial Conglomerates median
Market cap 2.20b 233.97m 5.46b

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