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RELIANCE GLOBAL GROUP INC (RELI) Stock Fundamental Analysis

NASDAQ:RELI - Nasdaq - US75946W4050 - Common Stock - Currency: USD

1.17  +0.02 (+1.72%)

Fundamental Rating

1

RELI gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. Both the profitability and financial health of RELI have multiple concerns. RELI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year RELI has reported negative net income.
RELI had a negative operating cash flow in the past year.
RELI had negative earnings in each of the past 5 years.
In the past 5 years RELI always reported negative operating cash flow.
RELI Yearly Net Income VS EBIT VS OCF VS FCFRELI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -5M -10M -15M -20M

1.2 Ratios

RELI has a worse Return On Assets (-32.47%) than 97.20% of its industry peers.
RELI has a worse Return On Equity (-208.74%) than 94.41% of its industry peers.
Industry RankSector Rank
ROA -32.47%
ROE -208.74%
ROIC N/A
ROA(3y)-38.94%
ROA(5y)-42.69%
ROE(3y)-170.47%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
RELI Yearly ROA, ROE, ROICRELI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2K 4K 6K

1.3 Margins

RELI's Gross Margin of 69.16% is amongst the best of the industry. RELI outperforms 96.50% of its industry peers.
In the last couple of years the Gross Margin of RELI has declined.
The Profit Margin and Operating Margin are not available for RELI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 69.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.17%
GM growth 5Y-3.59%
RELI Yearly Profit, Operating, Gross MarginsRELI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -2K -4K -6K

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2. Health

2.1 Basic Checks

RELI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RELI has more shares outstanding
The number of shares outstanding for RELI has been increased compared to 5 years ago.
Compared to 1 year ago, RELI has a worse debt to assets ratio.
RELI Yearly Shares OutstandingRELI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
RELI Yearly Total Debt VS Total AssetsRELI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

2.2 Solvency

Based on the Altman-Z score of -3.96, we must say that RELI is in the distress zone and has some risk of bankruptcy.
RELI's Altman-Z score of -3.96 is fine compared to the rest of the industry. RELI outperforms 66.43% of its industry peers.
RELI has a Debt/Equity ratio of 3.60. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.60, RELI is doing worse than 94.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.6
Debt/FCF N/A
Altman-Z -3.96
ROIC/WACCN/A
WACC6.53%
RELI Yearly LT Debt VS Equity VS FCFRELI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M -20M

2.3 Liquidity

A Current Ratio of 0.98 indicates that RELI may have some problems paying its short term obligations.
The Current ratio of RELI (0.98) is better than 78.32% of its industry peers.
A Quick Ratio of 0.98 indicates that RELI may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.98, RELI is doing good in the industry, outperforming 78.32% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.98
Quick Ratio 0.98
RELI Yearly Current Assets VS Current LiabilitesRELI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3. Growth

3.1 Past

RELI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.39%, which is quite impressive.
Looking at the last year, RELI shows a small growth in Revenue. The Revenue has grown by 2.34% in the last year.
RELI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.86% yearly.
EPS 1Y (TTM)92.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.2%
Revenue 1Y (TTM)2.34%
Revenue growth 3Y13.12%
Revenue growth 5Y25.86%
Sales Q2Q%3.77%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
RELI Yearly Revenue VS EstimatesRELI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
RELI Yearly EPS VS EstimatesRELI Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 -0.2 -0.4 -0.6

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4. Valuation

4.1 Price/Earnings Ratio

RELI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RELI Price Earnings VS Forward Price EarningsRELI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RELI Per share dataRELI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 -4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for RELI!.
Industry RankSector Rank
Dividend Yield N/A

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RELIANCE GLOBAL GROUP INC

NASDAQ:RELI (5/23/2025, 8:51:48 PM)

1.17

+0.02 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-14 2025-05-14
Earnings (Next)07-23 2025-07-23
Inst Owners4.09%
Inst Owner Change-19.41%
Ins Owners48.03%
Ins Owner Change2.05%
Market Cap3.47M
Analysts82.86
Price TargetN/A
Short Float %1.2%
Short Ratio0.71
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.24
P/FCF N/A
P/OCF N/A
P/B 1.33
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-4.85
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.73
FCFYN/A
OCF(TTM)-0.71
OCFYN/A
SpS4.78
BVpS0.88
TBVpS-3.08
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -32.47%
ROE -208.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 69.16%
FCFM N/A
ROA(3y)-38.94%
ROA(5y)-42.69%
ROE(3y)-170.47%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.17%
GM growth 5Y-3.59%
F-Score5
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 3.6
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 4.26%
Cap/Sales 0.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.98
Quick Ratio 0.98
Altman-Z -3.96
F-Score5
WACC6.53%
ROIC/WACCN/A
Cap/Depr(3y)15.29%
Cap/Depr(5y)17.74%
Cap/Sales(3y)2.55%
Cap/Sales(5y)2.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)92.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.2%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.34%
Revenue growth 3Y13.12%
Revenue growth 5Y25.86%
Sales Q2Q%3.77%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.12%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y45.96%
OCF growth 3YN/A
OCF growth 5YN/A