WallStSmart

B. Riley Financial Inc (RILYL)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 7198% more annual revenue ($63.42B vs $869.07M). RILYL leads profitability with a 35.4% profit margin vs 33.1%. RILYL trades at a lower P/E of 2.0x. RY earns a higher WallStSmart Score of 68/100 (B-).

RILYL

Hold

46

out of 100

Grade: D+

Growth: 8.0Profit: 7.0Value: 6.7Quality: 6.5
Piotroski: 5/9Altman Z: 0.60

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RILYL5 strengths · Avg: 10.0/10
P/E RatioValuation
2.0x10/10

Attractively priced relative to earnings

Profit MarginProfitability
35.4%10/10

Keeps 35 of every $100 in revenue as profit

Revenue GrowthGrowth
75.8%10/10

Revenue surging 75.8% year-over-year

EPS GrowthGrowth
11633.0%10/10

Earnings expanding 11633.0% YoY

Debt/EquityHealth
-5.7310/10

Conservative balance sheet, low leverage

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

RILYL3 concerns · Avg: 2.3/10
Market CapQuality
$536.57M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3385.0%2/10

ROE of -3385.0% — below average capital efficiency

Altman Z-ScoreHealth
0.602/10

Distress zone — elevated risk

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : RILYL

The strongest argument for RILYL centers on P/E Ratio, Profit Margin, Revenue Growth. Profitability is solid with margins at 35.4% and operating margin at 15.7%. Revenue growth of 75.8% demonstrates continued momentum.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : RILYL

The primary concerns for RILYL are Market Cap, Return on Equity, Altman Z-Score.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

RILYL profiles as a growth stock while RY is a mature play — different risk/reward profiles.

RILYL carries more volatility with a beta of 1.19 — expect wider price swings.

RILYL is growing revenue faster at 75.8% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Bottom Line

RY scores higher overall (68/100 vs 46/100), backed by strong 33.1% 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.

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.

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Royal Bank of Canada

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.

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