WallStSmart

Ready Capital Corporation (RCB)vsB. Riley Financial Inc. 5.00% Senior Notes due 2026 (RILYG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

RILYG leads profitability with a 0.0% profit margin vs 0.0%. RCB earns a higher WallStSmart Score of 22/100 (F).

RCB

Avoid

22

out of 100

Grade: F

Growth: 4.7Profit: 3.5Value: 6.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.16

RILYG

Avoid

18

out of 100

Grade: F

Growth: 4.0Profit: 5.5Value: 5.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RCB1 strengths · Avg: 8.0/10
P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

RILYG1 strengths · Avg: 10.0/10
Return on EquityProfitability
485.9%10/10

Every $100 of equity generates 486 in profit

Areas to Watch

RCB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

RILYG4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$539.12M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : RCB

The strongest argument for RCB centers on P/E Ratio.

Bull Case : RILYG

The strongest argument for RILYG centers on Return on Equity.

Bear Case : RCB

The primary concerns for RCB are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 3.44 is elevated, increasing financial risk.

Bear Case : RILYG

The primary concerns for RILYG are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 17.37 is elevated, increasing financial risk.

Key Dynamics to Monitor

RILYG is growing revenue faster at 0.0% — sustainability is the question.

RILYG generates stronger free cash flow (223M), providing more financial flexibility.

Monitor OTHER industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RCB scores higher overall (22/100 vs 18/100). Both earn "Avoid" 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.

Ready Capital Corporation

OTHER · OTHER · USA

Ready Capital Corporation is a real estate finance company in the United States. The company is headquartered in New York, New York.

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B. Riley Financial Inc. 5.00% Senior Notes due 2026

OTHER · OTHER · USA

B. Riley Financial, Inc. provides financial services and solutions in North America, Australia and Europe. The company is headquartered in Woodland Hills, California.

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