WallStSmart

BRC Group Holdings, Inc. (RILY)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 7688% more annual revenue ($83.03B vs $1.07B). RILY leads profitability with a 38.6% profit margin vs 27.2%. RILY trades at a lower P/E of 0.6x. WFC earns a higher WallStSmart Score of 76/100 (B+).

RILY

Hold

47

out of 100

Grade: D+

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

WFC

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

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

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$273.04B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.4%10/10

Strong operational efficiency at 37.4%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

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

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

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 : WFC

The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.

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 : WFC

The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

WFC generates stronger free cash flow (6.8B), providing more financial flexibility.

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

Bottom Line

WFC scores higher overall (76/100 vs 47/100), backed by strong 27.2% margins. Both earn "Strong Buy" and "Hold" 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.

Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

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