WallStSmart

BRC Group Holdings, Inc. (RILY)vsVoya Financial Inc (VOYA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Voya Financial Inc generates 689% more annual revenue ($8.25B vs $1.05B). RILY leads profitability with a 50.8% profit margin vs 8.2%. RILY trades at a lower P/E of 0.6x. VOYA earns a higher WallStSmart Score of 64/100 (C+).

RILY

Buy

64

out of 100

Grade: C+

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

VOYA

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 6.3Quality: 6.8
Piotroski: 4/9

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

VOYA3 strengths · Avg: 8.0/10
P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
23.2%8/10

Earnings expanding 23.2% YoY

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

VOYA2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.1%4/10

3.1% revenue growth

Free Cash FlowQuality
$-36.00M2/10

Negative free cash flow — burning cash

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 : VOYA

The strongest argument for VOYA centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.19 suggests the stock is reasonably priced for its growth.

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 : VOYA

The primary concerns for VOYA are Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

RILY profiles as a growth stock while VOYA is a value play — different risk/reward profiles.

RILY carries more volatility with a beta of 1.16 — 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.

Bottom Line

RILY scores higher overall (64/100 vs 64/100), backed by strong 50.8% margins and 113.4% revenue growth. Both earn "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.

Voya Financial Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.

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