WallStSmart

BRC Group Holdings, Inc. (RILY)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lendingtree Inc generates 15% more annual revenue ($1.20B vs $1.05B). RILY leads profitability with a 50.8% profit margin vs 15.0%. RILY trades at a lower P/E of 0.6x. TREE earns a higher WallStSmart Score of 76/100 (B+).

RILY

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 8.0Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.64

TREE

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RILY5 strengths · Avg: 10.0/10
P/E RatioValuation
0.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
50.8%10/10

Keeps 51 of every $100 in revenue as profit

Operating MarginProfitability
40.2%10/10

Strong operational efficiency at 40.2%

Revenue GrowthGrowth
113.4%10/10

Revenue surging 113.4% year-over-year

EPS GrowthGrowth
11633.0%10/10

Earnings expanding 11633.0% YoY

TREE5 strengths · Avg: 9.6/10
P/E RatioValuation
2.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
59.4%10/10

Every $100 of equity generates 59 in profit

Revenue GrowthGrowth
36.5%10/10

Revenue surging 36.5% year-over-year

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

RILY4 concerns · Avg: 2.0/10
Market CapQuality
$308.93M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3385.0%2/10

ROE of -3385.0% — below average capital efficiency

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Debt/EquityHealth
17.371/10

Elevated debt levels

TREE4 concerns · Avg: 2.5/10
Market CapQuality
$491.84M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.443/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : RILY

The strongest argument for RILY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 50.8% and operating margin at 40.2%. Revenue growth of 113.4% demonstrates continued momentum.

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Revenue Growth. Revenue growth of 36.5% demonstrates continued momentum.

Bear Case : RILY

The primary concerns for RILY are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 17.37 is elevated, increasing financial risk.

Bear Case : TREE

The primary concerns for TREE are Market Cap, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

TREE carries more volatility with a beta of 2.05 — expect wider price swings.

RILY is growing revenue faster at 113.4% — sustainability is the question.

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

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

Bottom Line

TREE scores higher overall (76/100 vs 64/100) and 36.5% revenue growth. Both earn "Strong 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.

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.

Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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