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RELIANCE GLOBAL GROUP INC (RELI) Stock Fundamental Analysis

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

1.89  -0.02 (-1.05%)

Premarket: 1.82 -0.07 (-3.7%)

Fundamental Rating

2

RELI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. RELI may be in some trouble as it scores bad on both profitability and health. RELI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

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.
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 -5M -10M -15M -20M

1.2 Ratios

With a Return On Assets value of -110.45%, RELI is not doing good in the industry: 99.30% of the companies in the same industry are doing better.
RELI's Return On Equity of -682.13% is on the low side compared to the rest of the industry. RELI is outperformed by 97.89% of its industry peers.
Industry RankSector Rank
ROA -110.45%
ROE -682.13%
ROIC N/A
ROA(3y)-46.88%
ROA(5y)-36.33%
ROE(3y)N/A
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 0 2K 4K 6K

1.3 Margins

The Gross Margin of RELI (70.90%) is better than 96.48% of its industry peers.
RELI's Gross Margin has improved in the last couple of years.
RELI does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 70.9%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.47%
GM growth 5Y5.07%
RELI Yearly Profit, Operating, Gross MarginsRELI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -2K -4K -6K

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3

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 reduced compared to 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 200K 400K 600K 800K 1M
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 10M 20M 30M

2.2 Solvency

RELI has an Altman-Z score of -3.35. This is a bad value and indicates that RELI is not financially healthy and even has some risk of bankruptcy.
RELI's Altman-Z score of -3.35 is fine compared to the rest of the industry. RELI outperforms 67.61% of its industry peers.
A Debt/Equity ratio of 3.74 is on the high side and indicates that RELI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.74, RELI is doing worse than 97.18% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.74
Debt/FCF N/A
Altman-Z -3.35
ROIC/WACCN/A
WACC6.16%
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 0 10M -10M -20M

2.3 Liquidity

RELI has a Current Ratio of 1.13. This is a normal value and indicates that RELI is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.13, RELI belongs to the top of the industry, outperforming 80.28% of the companies in the same industry.
RELI has a Quick Ratio of 1.13. 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 1.13. This is amongst the best in the industry. RELI outperforms 80.28% of its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
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 10M 20M 30M 40M

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2

3. Growth

3.1 Past

RELI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -193.31%.
RELI shows a decrease in Revenue. In the last year, the revenue decreased by -3.44%.
RELI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 68.20% yearly.
EPS 1Y (TTM)-193.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1236.7%
Revenue 1Y (TTM)-3.44%
Revenue growth 3Y23.44%
Revenue growth 5Y68.2%
Sales Q2Q%4.92%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -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 -20 -40 -60

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 (2/5/2025, 8:23:55 PM)

Premarket: 1.82 -0.07 (-3.7%)

1.89

-0.02 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07
Earnings (Next)N/A N/A
Inst Owners2.35%
Inst Owner Change0%
Ins Owners5.66%
Ins Owner Change-0.1%
Market Cap3.23M
Analysts82.86
Price TargetN/A
Short Float %5.23%
Short Ratio0.04
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 0.23
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-66.76
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.49
FCFYN/A
OCF(TTM)-1.45
OCFYN/A
SpS8.23
BVpS1.65
TBVpS-5.63
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -110.45%
ROE -682.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 70.9%
FCFM N/A
ROA(3y)-46.88%
ROA(5y)-36.33%
ROE(3y)N/A
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-2.47%
GM growth 5Y5.07%
F-Score2
Asset Turnover0.81
Health
Industry RankSector Rank
Debt/Equity 3.74
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 3.31%
Cap/Sales 0.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.13
Quick Ratio 1.13
Altman-Z -3.35
F-Score2
WACC6.16%
ROIC/WACCN/A
Cap/Depr(3y)28.02%
Cap/Depr(5y)32.15%
Cap/Sales(3y)4.72%
Cap/Sales(5y)5.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-193.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1236.7%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.44%
Revenue growth 3Y23.44%
Revenue growth 5Y68.2%
Sales Q2Q%4.92%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y46.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year131.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y20.9%
OCF growth 3YN/A
OCF growth 5YN/A