0.4148 USD
-0.13 (-23.76%)
0.4275 USD
+0.01 (+3.06%)
RELI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 148 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.
1. Profitability
1.1 Basic Checks
- RELI had negative earnings in the past year.
- In the past year RELI has reported a negative cash flow from operations.
- In the past 5 years RELI always reported negative net income.
- In the past 5 years RELI always reported negative operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of -44.73%, RELI is doing worse than 96.62% of the companies in the same industry.
- RELI has a worse Return On Equity (-103.83%) than 91.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -44.73% | ||
| ROE | -103.83% | ||
| 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
1.3 Margins
- The Gross Margin of RELI (65.09%) is better than 95.27% of its industry peers.
- In the last couple of years the Gross Margin of RELI has declined.
- RELI does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 65.09% |
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%
2. Health
2.1 Basic Checks
- RELI does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for RELI has been increased compared to 1 year ago.
- The number of shares outstanding for RELI has been increased compared to 5 years ago.
- The debt/assets ratio for RELI is higher compared to a year ago.
2.2 Solvency
- RELI has an Altman-Z score of -5.40. This is a bad value and indicates that RELI is not financially healthy and even has some risk of bankruptcy.
- With a decent Altman-Z score value of -5.40, RELI is doing good in the industry, outperforming 64.86% of the companies in the same industry.
- A Debt/Equity ratio of 0.70 indicates that RELI is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.70, RELI is not doing good in the industry: 84.46% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -5.4 |
ROIC/WACCN/A
WACC6.45%
2.3 Liquidity
- A Current Ratio of 1.47 indicates that RELI should not have too much problems paying its short term obligations.
- RELI has a better Current ratio (1.47) than 86.49% of its industry peers.
- A Quick Ratio of 1.47 indicates that RELI should not have too much problems paying its short term obligations.
- RELI has a better Quick ratio (1.47) than 86.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.47 | ||
| Quick Ratio | 1.47 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 96.30% over the past year.
- Looking at the last year, RELI shows a decrease in Revenue. The Revenue has decreased by -6.84% in the last year.
- Measured over the past years, RELI shows a very strong growth in Revenue. The Revenue has been growing by 25.86% on average per year.
EPS 1Y (TTM)96.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%70.3%
Revenue 1Y (TTM)-6.84%
Revenue growth 3Y13.12%
Revenue growth 5Y25.86%
Sales Q2Q%-27.47%
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.
4. Valuation
4.1 Price/Earnings Ratio
- RELI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.23%, RELI is a good candidate for dividend investing.
- The stock price of RELI dropped by -57.23% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- RELI's Dividend Yield is rather good when compared to the industry average which is at 2.41. RELI pays more dividend than 93.24% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, RELI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.23% |
5.2 History
- RELI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
RELIANCE GLOBAL GROUP INC / RELI FAQ
What is the fundamental rating for RELI stock?
ChartMill assigns a fundamental rating of 2 / 10 to RELI.
What is the valuation status for RELI stock?
ChartMill assigns a valuation rating of 0 / 10 to RELIANCE GLOBAL GROUP INC (RELI). This can be considered as Overvalued.
Can you provide the profitability details for RELIANCE GLOBAL GROUP INC?
RELIANCE GLOBAL GROUP INC (RELI) has a profitability rating of 1 / 10.