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RELIANCE GLOBAL GROUP INC (RELI) Stock Fundamental Analysis

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

1.48  +0.07 (+4.96%)

After market: 1.47 -0.01 (-0.68%)

Fundamental Rating

1

Overall RELI gets a fundamental rating of 1 out of 10. We evaluated RELI against 145 industry peers in the Insurance industry. RELI has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past year RELI has reported a negative cash flow from operations.
RELI had negative earnings in each of the past 5 years.
RELI had a negative operating cash flow in each of the past 5 years.
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

The Return On Assets of RELI (-32.47%) is worse than 96.55% of its industry peers.
With a Return On Equity value of -208.74%, RELI is not doing good in the industry: 93.10% of the companies in the same industry are doing better.
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

Looking at the Gross Margin, with a value of 69.16%, RELI belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
RELI's Gross Margin has declined in the last couple of years.
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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1

2. Health

2.1 Basic Checks

RELI does not have a ROIC to compare to the WACC, probably because it is not profitable.
RELI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, RELI has more shares outstanding
The debt/assets ratio for RELI is higher compared to a year ago.
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

RELI has an Altman-Z score of -3.93. This is a bad value and indicates that RELI is not financially healthy and even has some risk of bankruptcy.
RELI has a Altman-Z score of -3.93. This is in the better half of the industry: RELI outperforms 66.21% of its industry peers.
A Debt/Equity ratio of 3.60 is on the high side and indicates that RELI has dependencies on debt financing.
RELI's Debt to Equity ratio of 3.60 is on the low side compared to the rest of the industry. RELI is outperformed by 93.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.6
Debt/FCF N/A
Altman-Z -3.93
ROIC/WACCN/A
WACC6.32%
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.
Looking at the Current ratio, with a value of 0.98, RELI is in the better half of the industry, outperforming 79.31% of the companies in the same industry.
RELI has a Quick Ratio of 0.98. This is a bad value and indicates that RELI is not financially healthy enough and could expect problems in meeting its short term obligations.
RELI has a Quick ratio of 0.98. This is in the better half of the industry: RELI outperforms 79.31% of its industry peers.
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

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 92.39% over the past year.
The Revenue has been growing slightly by 2.34% in the past 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)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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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RELI. In the last year negative earnings were reported.
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

RELI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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RELIANCE GLOBAL GROUP INC

NASDAQ:RELI (7/17/2025, 5:20:02 PM)

After market: 1.47 -0.01 (-0.68%)

1.48

+0.07 (+4.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-14 2025-05-14
Earnings (Next)07-23 2025-07-23
Inst Owners1.9%
Inst Owner Change0%
Ins Owners17.8%
Ins Owner Change2.14%
Market Cap4.40M
Analysts82.86
Price TargetN/A
Short Float %7.26%
Short Ratio0.11
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 0.31
P/FCF N/A
P/OCF N/A
P/B 1.68
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 -3.93
F-Score5
WACC6.32%
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