WallStSmart

B. Riley Financial Inc (RILYL)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 9236% more annual revenue ($81.14B vs $869.07M). RILYL leads profitability with a 35.4% profit margin vs 26.7%. RILYL trades at a lower P/E of 2.0x. WFC earns a higher WallStSmart Score of 74/100 (B).

RILYL

Hold

46

out of 100

Grade: D+

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

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

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

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

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

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

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 : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bear Case : RILYL

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

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

RILYL profiles as a growth stock while WFC 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.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WFC scores higher overall (74/100 vs 46/100), backed by strong 26.7% 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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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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