WallStSmart

BRC Group Holdings, Inc. (RILY)vsBRC Group Holdings, Inc. (RILYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BRC Group Holdings, Inc. generates 0% more annual revenue ($1.07B vs $1.07B). RILYL leads profitability with a 38.6% profit margin vs 38.6%. RILY trades at a lower P/E of 0.6x. RILY earns a higher WallStSmart Score of 47/100 (D+).

RILY

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 7.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.64

RILYL

Avoid

30

out of 100

Grade: F

Growth: 4.0Profit: 9.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RILY3 strengths · Avg: 9.3/10
P/E RatioValuation
0.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

RILYL3 strengths · Avg: 10.0/10
P/E RatioValuation
2.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
276.7%10/10

Every $100 of equity generates 277 in profit

Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Areas to Watch

RILY4 concerns · Avg: 2.3/10
Market CapQuality
$282.60M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3385.0%2/10

ROE of -3385.0% — below average capital efficiency

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

RILYL4 concerns · Avg: 2.0/10
Market CapQuality
$536.57M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Debt/EquityHealth
9.311/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : RILY

The strongest argument for RILY centers on P/E Ratio, Profit Margin, Price/Book. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.

Bull Case : RILYL

The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : RILY

The primary concerns for RILY are Market Cap, Return on Equity, EPS Growth. Debt-to-equity of 9.31 is elevated, increasing financial risk.

Bear Case : RILYL

The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.

Key Dynamics to Monitor

RILYL carries more volatility with a beta of 1.22 — expect wider price swings.

RILYL is growing revenue faster at 10.4% — sustainability is the question.

RILYL generates stronger free cash flow (73M), providing more financial flexibility.

Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RILY scores higher overall (47/100 vs 30/100), backed by strong 38.6% margins and 10.4% revenue growth. Both earn "Hold" 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.

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.

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.

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