B. Riley Financial Inc (RILYL)vsLendingtree Inc (TREE)
RILYL
B. Riley Financial Inc
$12.08
+2.11%
FINANCIAL SERVICES · Cap: $536.57M
TREE
Lendingtree Inc
$42.50
+0.63%
FINANCIAL SERVICES · Cap: $591.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Lendingtree Inc generates 31% more annual revenue ($1.12B vs $850.34M). RILYL leads profitability with a 26.3% profit margin vs 13.5%. RILYL trades at a lower P/E of 1.9x. TREE earns a higher WallStSmart Score of 72/100 (B).
RILYL
Hold36
out of 100
Grade: F
TREE
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.2%
Fair Value
$40.80
Current Price
$12.08
$28.72 discount
Margin of Safety
+91.7%
Fair Value
$504.50
Current Price
$42.49
$462.00 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Revenue surging 89.0% year-over-year
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Every $100 of equity generates 77 in profit
Reasonable price relative to book value
Revenue surging 22.2% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of -33.9% — below average capital efficiency
Earnings declined 9.5%
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : RILYL
The strongest argument for RILYL centers on P/E Ratio, Revenue Growth, Debt/Equity. Profitability is solid with margins at 26.3% and operating margin at 18.2%. Revenue growth of 89.0% demonstrates continued momentum.
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 : RILYL
The primary concerns for RILYL are Market Cap, Return on Equity, EPS Growth.
Bear Case : TREE
The primary concerns for TREE are Market Cap, PEG Ratio.
Key Dynamics to Monitor
TREE carries more volatility with a beta of 2.30 — expect wider price swings.
RILYL is growing revenue faster at 89.0% — sustainability is the question.
TREE generates stronger free cash flow (14M), providing more financial flexibility.
Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TREE scores higher overall (72/100 vs 36/100) and 22.2% revenue growth. RILYL offers better value entry with a 74.2% margin of safety. 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.
Visit Website →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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