WallStSmart

B. Riley Financial Inc (RILY)vsVoya Financial Inc (VOYA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Voya Financial Inc generates 1181% more annual revenue ($8.19B vs $639.16M). VOYA leads profitability with a 8.0% profit margin vs -119.6%. VOYA earns a higher WallStSmart Score of 70/100 (B).

RILY

Avoid

30

out of 100

Grade: F

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

VOYA

Strong Buy

70

out of 100

Grade: B

Growth: 7.3Profit: 5.0Value: 10.0Quality: 6.0
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RILY.

VOYAUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$294.37

Current Price

$68.21

$226.16 discount

UndervaluedFair: $294.37Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RILY0 strengths · Avg: 0/10

No standout strengths identified

VOYA3 strengths · Avg: 9.3/10
P/E RatioValuation
10.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
48.1%8/10

Earnings expanding 48.1% YoY

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%

VOYA2 concerns · Avg: 3.0/10
Profit MarginProfitability
8.0%3/10

8.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : RILY

RILY has a balanced fundamental profile.

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, Revenue Growth.

Bear Case : VOYA

The primary concerns for VOYA are Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

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

RILY carries more volatility with a beta of 1.26 — expect wider price swings.

VOYA is growing revenue faster at 5.0% — sustainability is the question.

VOYA generates stronger free cash flow (557M), providing more financial flexibility.

Bottom Line

VOYA scores higher overall (70/100 vs 30/100). 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.

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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