Reliance Global Group Inc. Common Stock (EZRA)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am wary when a stock looks statistically cheap but the business is bleeding. Reliance Global Group is a small insurance distribution and InsurTech firm. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $2.1M and a net loss of $2.0M. For FY2025, ended 2025-12-31, revenue was $12.4M and net loss $7.0M, following FY2024 revenue of $14.1M and net loss of $9.1M. The revenue trend is shrinking — FairStock calculates revenue growth of -31.62% — and the latest quarterly loss margin was -94.34%. That is not the profile of a durable moat; it is a tiny 40-employee intermediary with no obvious pricing power. The balance sheet and cash flow are the real tests. FairStock calculations show ROE of -123.46%, ROCE of -33.83%, D/E of 0.79, trailing free cash flow of -$4.7M, and an FCF yield of -203.9% against the $2.3M market cap. A Piotroski F-Score of 1/9 and Altman Z-Score of -6.33 confirm financial distress. On price, the close on 2026-10-13 was $2.30, P/B 0.28, P/E 0.75, and Graham Number $23.65, implying a 90.27% margin of safety. But I discount those surface bargains because filed diluted EPS is negative in every recent period and the P/E/EPS figures conflict with those losses. The Lynch category is TURNAROUND — loss in latest year after earlier profits — and turnarounds need evidence, not hope. Until revenue stabilizes and cash flow turns positive, this looks more like a value trap than a Graham bargain.

In plain English: Reliance Global Group is a small insurance distribution and insurance technology company. It has been losing money and its revenue has been shrinking, so the business looks weak. The stock price looks very cheap against some calculated accounting values, but those values may not be dependable because the company is burning cash.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer