RELI Fundamental Analysis - RELIANCE GLOBAL GROUP INC

Fundamental Rating

RELI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. RELI has a bad profitability rating. Also its financial health evaluation is rather negative. RELI is valued expensive and it does not seem to be growing.

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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.

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.

1.2 Ratios

RELI's Return On Assets of -44.73% is on the low side compared to the rest of the industry. RELI is outperformed by 97.30% of its industry peers.

RELI has a worse Return On Equity (-103.83%) than 92.57% 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

Looking at the Gross Margin, with a value of 65.09%, RELI belongs to the top of the industry, outperforming 95.27% of the companies in the same industry.

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 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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

RELI has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, RELI has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -5.24, we must say that RELI is in the distress zone and has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of -5.24, RELI is in the better half of the industry, outperforming 63.51% of the companies in the same industry.

A Debt/Equity ratio of 0.70 indicates that RELI is somewhat dependend on debt financing.

RELI has a Debt to Equity ratio of 0.70. This is amonst the worse of the industry: RELI underperforms 85.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.7
Debt/FCF	N/A
Altman-Z	-5.24

ROIC/WACCN/A

WACC6.38%

2.3 Liquidity

A Current Ratio of 1.47 indicates that RELI should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.47, RELI belongs to the top of the industry, outperforming 85.81% of the companies in the same industry.

RELI has a Quick Ratio of 1.47. This is a normal value and indicates that RELI is financially healthy and should not expect problems in meeting its short term obligations.

RELI has a Quick ratio of 1.47. This is amongst the best in the industry. RELI outperforms 85.81% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.47
Quick Ratio	1.47

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 96.30%, which is quite impressive.

RELI shows a decrease in Revenue. In the last year, the revenue decreased by -6.84%.

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.

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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 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

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5. Dividend

5.1 Amount

RELI has a Yearly Dividend Yield of 4.62%, which is a nice return.

Compared to an average industry Dividend Yield of 2.30, RELI pays a better dividend. On top of this RELI pays more dividend than 85.14% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 1.87, RELI pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.62%

5.2 History

RELI is new to the dividend game and has less than 3 years of track record.

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

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RELIANCE GLOBAL GROUP INC

NASDAQ:RELI (12/19/2025, 8:13:29 PM)

After market: 0.6243 -0.03 (-3.95%)

0.65

+0.06 (+10.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-06 2025-11-06

Earnings (Next)03-04 2026-03-04

Inst Owners6.34%

Inst Owner Change-12.58%

Ins Owners15%

Ins Owner Change8.86%

Market Cap6.42M

Revenue(TTM)13.12M

Net Income(TTM)-7.00M

Analysts82.86

Price TargetN/A

Short Float %13.2%

Short Ratio0.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.62%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-Date10-30 2025-10-30 (0.03)

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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.49
P/FCF	N/A
P/OCF	N/A
P/B	0.95
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)-2.47

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.26

FCFYN/A

OCF(TTM)-0.24

OCFYN/A

SpS1.33

BVpS0.68

TBVpS-0.27

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-44.73%
ROE	-103.83%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	65.09%
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

ROICexgc growth 3YN/A

ROICexgc 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 Rank	Sector Rank
Debt/Equity	0.7
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	13.19%
Cap/Sales	1.39%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.47
Quick Ratio	1.47
Altman-Z	-5.24

F-Score5

WACC6.38%

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)96.3%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%70.3%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-6.84%

Revenue growth 3Y13.12%

Revenue growth 5Y25.86%

Sales Q2Q%-27.47%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-188.91%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-90.8%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-126.82%

OCF growth 3YN/A

OCF growth 5YN/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 of RELIANCE GLOBAL GROUP INC (RELI) stock?

ChartMill assigns a valuation rating of 0 / 10 to RELIANCE GLOBAL GROUP INC (RELI). This can be considered as Overvalued.

What is the profitability of RELI stock?

RELIANCE GLOBAL GROUP INC (RELI) has a profitability rating of 1 / 10.

RELIANCE GLOBAL GROUP INC (RELI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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RELIANCE GLOBAL GROUP INC / RELI FAQ

What is the fundamental rating for RELI stock?

What is the valuation status of RELIANCE GLOBAL GROUP INC (RELI) stock?

What is the profitability of RELI stock?