Reliance Global Group (RELI) AI Stock Analysis

• Market Cap: $8.30M
• Dividend Yield: N/A
• Average Volume (3M): 3.08M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.10
• Revenue Growth: -6.84%
• EPS Growth: 97.23%
• Country: US
• Employees: 64
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): -0.20
• Shares Outstanding: 9,865,600
• 10 Day Avg. Volume: 6,100,007
• 30 Day Avg. Volume: 3,084,697
• PEG Ratio: 0.02
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 0.18
• P/FCF Ratio: -1.00
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: $1.00 ▲(16.28% Upside)

Reliance Global Group's overall stock score is low due to significant financial challenges, including negative profitability and high leverage. While the company has made strategic improvements, such as debt reduction and increased liquidity, these are overshadowed by ongoing operational difficulties and a negative P/E ratio. Technical indicators also suggest bearish trends, further impacting the stock's outlook.

Reliance Global Group Business Overview & Revenue Model

Company Description

Reliance Global Group (RELI) is a diversified holding company engaged in various sectors, including insurance, real estate, and technology services. The company focuses on providing innovative solutions and products that cater to the needs of its clients across multiple industries. With a commitment to leveraging technology and strategic partnerships, Reliance Global Group aims to enhance operational efficiency and drive growth in its core business areas.

How the Company Makes Money

Reliance Global Group generates revenue through multiple streams, primarily from its insurance services, where it earns premiums from policyholders. Additionally, the company derives income from real estate investments and management services, including property leasing and sales. Technology services also contribute to revenue by offering specialized solutions to businesses. Strategic partnerships with other firms enhance its market reach and provide additional revenue opportunities through collaborative projects and joint ventures.

Reliance Global Group Financial Statement Overview

Summary

Reliance Global Group faces significant financial challenges across all verticals. The income statement shows declining revenues and negative profitability margins. The balance sheet reflects high leverage and negative equity trends, while cash flow statements indicate ongoing cash flow difficulties despite some improvement in free cash flow growth. The company needs to address these issues to stabilize its financial position.

Income Statement

The income statement reveals significant challenges, with negative net profit margins and declining revenue growth. The TTM data shows a gross profit margin of 25.32%, but the net profit margin is deeply negative at -47.53%. Revenue has decreased by 103.2% compared to the previous period, indicating severe revenue contraction. The EBIT and EBITDA margins are also negative, reflecting operational inefficiencies.

Balance Sheet

The balance sheet indicates high leverage and negative equity trends. The debt-to-equity ratio is 1.37 in the TTM period, showing a decrease from previous years but still indicating high leverage. Return on equity is negative, suggesting that the company is not generating returns for shareholders. The equity ratio is low, highlighting potential financial instability.

Cash Flow

Cash flow analysis shows some improvement in free cash flow growth at 7.1% in the TTM period. However, both operating and free cash flows are negative, and the operating cash flow to net income ratio is -0.45, indicating cash flow challenges. The free cash flow to net income ratio is slightly positive, suggesting some alignment between cash flow and reported earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.06M	14.05M	13.73M	11.76M	9.71M	7.30M
Gross Profit	3.56M	2.64M	2.50M	1.11M	2.61M	2.07M
EBITDA	-3.76M	-5.70M	-5.76M	25.04M	-1.31M	-2.30M
Net Income	-6.68M	-9.07M	-12.01M	6.47M	-21.10M	-3.68M
Balance Sheet
Total Assets	18.01M	17.32M	23.02M	38.43M	27.68M	18.04M
Cash, Cash Equivalents and Short-Term Investments	1.96M	372.69K	1.33M	505.41K	4.14M	45.21K
Total Debt	4.23M	13.03M	14.54M	17.57M	9.43M	13.97M
Total Liabilities	14.93M	14.32M	15.87M	29.52M	53.74M	18.11M
Stockholders Equity	3.08M	3.00M	7.15M	8.91M	-26.07M	-63.01K
Cash Flow
Free Cash Flow	-2.34M	-2.60M	-1.04M	-3.99M	-2.94M	-468.46K
Operating Cash Flow	-2.28M	-2.52M	-847.97K	-3.19M	-2.25M	-468.46K
Investing Cash Flow	-73.83K	-83.23K	710.19K	-24.64M	-2.30M	-1.95M
Financing Cash Flow	2.91M	1.66M	966.92K	25.12M	8.64M	2.45M

Reliance Global Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.86
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RELI, the sentiment is Negative. The current price of 0.86 is below the 20-day moving average (MA) of 0.88, below the 50-day MA of 0.87, and below the 200-day MA of 1.22, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 45.12 is Neutral, neither overbought nor oversold. The STOCH value of 11.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RELI.

Reliance Global Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HUIZ	57 Neutral	$33.09M	13.16	4.56%	―	19.30%	-17.56%
ZBAO	54 Neutral	$31.41M	10.22	―	―	80.80%	―
EHTH	45 Neutral	$125.52M	109.97	5.88%	―	16.79%	―
RELI	44 Neutral	$8.30M	―	-223.86%	―	-6.84%	97.23%
GOCO	42 Neutral	$54.20M	-0.93	-13.38%	―	17.46%	60.17%
TIRX	41 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%

Reliance Global Group Corporate Events

Reliance Global Group Strengthens Financial Position

Reliance Global Group, Inc. is a company operating in the InsurTech sector, utilizing artificial intelligence and cloud-based technologies to enhance efficiencies in the insurance agency and brokerage industry.

Reliance Global Group Approves Special Cash Dividend

On September 26, 2025, Reliance Global Group‘s Board of Directors approved a special cash dividend of $0.03 per share, payable on December 2, 2025, to stockholders of record as of October 30, 2025. This move is part of the company’s strategy to reward shareholders and reflects confidence in its financial health and business model. Additionally, the company announced its first purchase of Bitcoin and XRP as part of its Digital Asset Treasury initiative, further diversifying its digital asset portfolio to enhance long-term treasury management and shareholder value.

The most recent analyst rating on (RELI) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Enters Crypto Purchase Agreement

On September 16, 2025, Reliance Global Group entered into an Interim Crypto Purchase Agreement with Moshe Fishman to facilitate cryptocurrency purchases on behalf of the company, as it establishes its institutional cryptocurrency account. This move is part of Reliance’s broader strategy to build a diversified digital asset portfolio, beginning with its initial purchase of Ethereum under its Digital Asset Treasury initiative. The initiative aims to achieve long-term capital appreciation and is supported by the formation of a Crypto Advisory Board to guide management in digital asset initiatives. This strategic expansion into digital assets underscores Reliance’s commitment to innovation in both insurance and decentralized finance.

The most recent analyst rating on (RELI) stock is a Sell with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Adopts Digital Asset Strategy

On September 15, 2025, Reliance Global Group announced the adoption of a digital asset treasury strategy, allowing the company to invest in cryptocurrencies like Bitcoin, Ethereum, and Solana. This move includes exploring blockchain-enabled, tokenized insurance-linked assets to improve the insurance-linked market. The strategy introduces risks such as volatility in digital asset prices, which could impact the company’s financial results and stock price. The formation of a Crypto Advisory Board aims to guide the strategy’s implementation, but the company acknowledges potential challenges, including regulatory, technological, and market risks.

The most recent analyst rating on (RELI) stock is a Sell with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Updates Stock Vesting Schedules

On September 12, 2025, Reliance Global Group‘s Compensation Committee approved changes to the vesting schedules for certain restricted stock awards under its 2024 and 2025 incentive plans. This decision aims to enhance employee retention, align management with shareholder interests, and acknowledge past contributions by fully vesting awards for key executives and employees, including CEO Ezra Beyman, CFO Joel Markovits, and EVP Yaakov Beyman.

The most recent analyst rating on (RELI) stock is a Sell with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Enters Stock Purchase Agreement

On August 26, 2025, Reliance Global Group, Inc. entered into a Common Stock Purchase Agreement with White Lion Capital, LLC, allowing the company to sell up to $10 million of newly issued common stock to White Lion. The agreement includes conditions such as an Exchange Cap and Beneficial Ownership Limitation to regulate the stock issuance. Additionally, a Registration Rights Agreement was established to facilitate the resale of shares by White Lion, with the company committing to file a registration statement within ten business days. This strategic move is expected to provide Reliance Global Group with financial flexibility and potentially enhance its market position.

The most recent analyst rating on (RELI) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Updates Investor Presentation

On August 19, 2025, Reliance Global Group, Inc. released an updated investor presentation to be used in meetings with investors and analysts. This presentation, which is not filed under the Securities Exchange Act, contains forward-looking statements about the company’s strategy and future operations, highlighting potential risks and uncertainties that could impact actual results.

The most recent analyst rating on (RELI) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

Reliance Global Group Enters Market Offering Agreement

On August 13, 2025, Reliance Global Group, Inc. entered into an At The Market Offering Agreement with H.C. Wainwright & Co., LLC, allowing the company to sell up to $2,026,453 of its common stock through the agent. This agreement, underpinned by an effective registration statement and prospectus supplement, involves sales through Nasdaq or other markets and grants Wainwright a right of first refusal for future financial advisory roles, impacting the company’s strategic financial operations.