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BRC Group Holdings, Inc. (RILYL) stock analysis

RILYLNasdaqInvestment AdviceFiscal year ends December 31Also trades as RILY, RILYG, RILYP, RILYT, RILYZ
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 9/3089% below fair value
$6.76−0.51 (-7.02%)

Close on Nov 6, 2026Market cap $271.75MP/E 1.8Yield –

StockData Score

Prices as of Nov 6, 2026How the score works

Value6Growth1Performance2Health0Dividend0

Mixed9 of 30 checks passed

BRC passes 9 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
6/6
Growth
1/6
Past performance
2/6
Financial health
0/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 89.1% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $3.65 is below our fair value estimate of $33.55.

  • Earnings grew over 5 years

    Net income grew 8.4% a year on average over the last five fiscal years.

  • P/E below its 5-year median

    BRC's P/E of 1.0 is below its own 5-year median of 1.1.

What to watch

  • Revenue growing under 10% a year

    Revenue grew 1.0% a year over the last three fiscal years, short of the 10% we look for.

  • Earnings growth not accelerating

    Net income grew -64.4% over the last twelve months, against a 5-year average of 8.4% a year.

  • Interest not well covered

    Operating income covers interest expense 1.5 times; we look for at least 5.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.18; above 3 is the safe zone and below 1.8 the distress zone.

Valuation6/6

  • P/E below its 5-year median

    BRC's P/E of 1.0 is below its own 5-year median of 1.1.

  • P/E below the industry

    BRC's P/E of 1.0 is below the Services Allied with the Exchange of Securities median of 21.0.

  • EV/EBITDA below its 5-year median

    BRC's EV/EBITDA of 0.4 is below its 5-year median of 4.6.

  • P/S below the industry

    BRC's price-to-sales of 0.16 is below the Services Allied with the Exchange of Securities median of 2.85 (book value is negative, so we use sales).

  • Trading below fair value

    The share price of $3.65 is below our fair value estimate of $33.55.

  • Margin of safety over 20%

    The price is 89.1% below fair value, more than the 20% cushion we look for.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 1.0% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth not accelerating

    Net income grew -64.4% over the last twelve months, against a 5-year average of 8.4% a year.

  • Growing slower than the industry

    Revenue grew 4.0% over the last twelve months; the Services Allied with the Exchange of Securities median is 8.7%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin improving

    Gross margin was 85.5% over the last twelve months, against 82.1% a year earlier.

Past performance2/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 8.4% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 8.8% over the last twelve months, against a 5-year average of -13.2%.

  • Net margin below the industry

    BRC's net margin of 8.8% is below the Services Allied with the Exchange of Securities median of 15.7%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest not well covered

    Operating income covers interest expense 1.5 times; we look for at least 5.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.18; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    BRC has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$33.55

The share price is 89% below this estimate.

20%+ below
Near fair value
20%+ above
$3.65Price$33.55Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E11.0×1.1×21.0×$41.1844%
EV/EBITDA8.0×4.6×11.5×$32.0239%
Earnings power11.3% cost of equity––$16.7517%
Fair value$33.55100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 1.1
  • Services Allied with the Exchange of Securities median 21.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$4.03M
Value traded per 1% price move
$1.39M

Downside

High risk

Typical loss in a bad month
30.4%
Volatility (annualized)
97%
Sharpe ratio, 1 year
-0.31
Beta to the S&P 500 (5Y)
1.29

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

85.0%

Operating margin

7.8%−25.3 pts over 5 years

Net margin

31.8%+7.2 pts over 5 years

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