WallStSmart

B. Riley Financial Inc (RILY)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lendingtree Inc generates 75% more annual revenue ($1.12B vs $639.16M). TREE leads profitability with a 13.5% profit margin vs -119.6%. TREE earns a higher WallStSmart Score of 72/100 (B).

RILY

Avoid

30

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 5.0Quality: 5.0

TREE

Strong Buy

72

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RILY.

TREEUndervalued (+91.7%)

Margin of Safety

+91.7%

Fair Value

$504.50

Current Price

$42.49

$462.00 discount

UndervaluedFair: $504.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RILY0 strengths · Avg: 0/10

No standout strengths identified

TREE4 strengths · Avg: 9.0/10
P/E RatioValuation
4.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
76.5%10/10

Every $100 of equity generates 77 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.2%8/10

Revenue surging 22.2% year-over-year

Areas to Watch

RILY4 concerns · Avg: 2.3/10
Market CapQuality
$156.66M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-33.9%2/10

ROE of -33.9% — below average capital efficiency

Revenue GrowthGrowth
-28.7%2/10

Revenue declined 28.7%

EPS GrowthGrowth
-9.5%2/10

Earnings declined 9.5%

TREE2 concerns · Avg: 2.5/10
Market CapQuality
$591.64M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : RILY

RILY has a balanced fundamental profile.

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 22.2% demonstrates continued momentum.

Bear Case : RILY

The primary concerns for RILY are Market Cap, Return on Equity, Revenue Growth.

Bear Case : TREE

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

Key Dynamics to Monitor

RILY profiles as a turnaround stock while TREE is a growth play — different risk/reward profiles.

TREE carries more volatility with a beta of 2.30 — expect wider price swings.

TREE is growing revenue faster at 22.2% — sustainability is the question.

TREE generates stronger free cash flow (14M), providing more financial flexibility.

Bottom Line

TREE scores higher overall (72/100 vs 30/100) and 22.2% revenue growth. Both earn "Strong Buy" 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.

B. Riley Financial 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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