Reliance Global Group (RELI) AI Stock Analysis

• Market Cap: $5.98M
• Dividend Yield: N/A
• Average Volume (3M): 3.41M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.33
• 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: 3,759,865
• 30 Day Avg. Volume: 3,413,808
• 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: 1.49
• Enterprise Value/Revenue: 0.68
• Enterprise Value/Gross Profit: 17.42
• Enterprise Value/Ebitda: -1.84
• 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: $0.57 ▼(-3.05% Downside)

Reliance Global Group's overall stock score is primarily impacted by its poor financial performance, with significant challenges in revenue, profitability, and leverage. Technical analysis also indicates bearish momentum. While the earnings call and corporate events show some strategic improvements and innovation, these are not enough to offset the financial difficulties.

Positive Factors

Debt Reduction

Reducing long-term debt significantly strengthens the balance sheet, enhancing financial stability and flexibility for future investments.

Digital Asset Strategy

The strategic focus on digital assets positions the company at the forefront of innovation, potentially unlocking new revenue streams and market opportunities.

Launch of New Client Service Center

Enhancing the RELI Exchange platform improves scalability and partner productivity, fostering long-term growth and competitive advantage.

Negative Factors

Nasdaq Noncompliance Notice

Noncompliance with Nasdaq listing requirements could lead to delisting, impacting investor confidence and access to capital markets.

Declining Revenue

Severe revenue contraction indicates challenges in market demand and operational execution, threatening long-term viability and growth prospects.

High Leverage

High leverage limits financial flexibility and increases risk, potentially constraining future growth and investment opportunities.

Reliance Global Group Business Overview & Revenue Model

Company Description

Reliance Global Group (RELI) is a diversified holding company that operates across various sectors, including real estate, technology, and financial services. The company focuses on investing in innovative solutions and businesses that drive growth and value creation. Its core products and services range from real estate development and management to technology solutions that enhance operational efficiency and financial performance.

How the Company Makes Money

Reliance Global Group generates revenue through multiple streams. Primarily, it earns income from its real estate ventures, which include leasing and property management services. Additionally, the company capitalizes on technology-related services, delivering software solutions and consulting that cater to various industries. Financial services also contribute to the company's revenue, with offerings that may include investments, asset management, and advisory services. Strategic partnerships with other firms enhance its market reach and capabilities, further supporting its revenue generation. The company's diversified portfolio allows it to mitigate risks and capitalize on growth opportunities across different sectors.

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	13.12M	14.05M	13.73M	11.76M	9.71M	7.30M
Gross Profit	511.76K	2.64M	2.50M	1.11M	2.61M	2.07M
EBITDA	-4.85M	-5.70M	-5.76M	25.04M	-1.31M	-2.30M
Net Income	-7.00M	-9.07M	-12.01M	6.47M	-21.10M	-3.68M
Balance Sheet
Total Assets	15.66M	17.32M	23.02M	38.43M	27.68M	18.04M
Cash, Cash Equivalents and Short-Term Investments	2.58M	372.69K	1.33M	505.41K	4.14M	45.21K
Total Debt	2.31M	13.03M	14.54M	17.57M	9.43M	13.97M
Total Liabilities	8.91M	14.32M	15.87M	29.52M	53.74M	18.11M
Stockholders Equity	6.74M	3.00M	7.15M	8.91M	-26.07M	-63.01K
Cash Flow
Free Cash Flow	-2.37M	-2.60M	-1.04M	-3.99M	-2.94M	-468.46K
Operating Cash Flow	-2.34M	-2.52M	-847.97K	-3.19M	-2.25M	-468.46K
Investing Cash Flow	4.26M	-83.23K	710.19K	-24.64M	-2.30M	-1.95M
Financing Cash Flow	-778.88K	1.66M	966.92K	25.12M	8.64M	2.45M

Reliance Global Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.59
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 0.59 is below the 20-day moving average (MA) of 0.67, below the 50-day MA of 0.76, and below the 200-day MA of 1.07, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 41.11 is Neutral, neither overbought nor oversold. The STOCH value of 38.90 is Neutral, 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%
EHTH	66 Neutral	$136.60M	112.13	5.88%	―	16.79%	―
HUIZ	57 Neutral	$32.79M	12.68	4.56%	―	19.30%	-17.56%
ZBAO	54 Neutral	$31.34M	10.51	―	―	80.80%	―
GOCO	44 Neutral	$39.75M	-0.15	-142.05%	―	7.56%	-344.04%
RELI	44 Neutral	$5.98M	-0.27	-146.43%	―	-6.84%	97.23%
TIRX	43 Neutral	$11.50M	-0.14	-11.18%	―	624.24%	85.46%

Reliance Global Group Corporate Events

Reliance Global Faces Nasdaq Bid Price Noncompliance Notice

On December 12, 2025, Reliance Global Group, Inc. disclosed that it had fallen out of compliance with Nasdaq’s $1.00 minimum bid price requirement after its shares traded below that threshold for 30 consecutive business days, though the notice had no immediate impact on the stock’s listing or trading on the Nasdaq Capital Market under the symbol “RELI.” The company has 180 calendar days, until June 10, 2026, to regain compliance—potentially by lifting its share price above $1.00 for at least ten consecutive business days—or it may seek an additional 180-day extension if it satisfies other listing criteria and signals an intention to cure the deficiency, but it cautioned there is no assurance it will be able to do so and is still evaluating possible responses, including a reverse stock split.

Reliance Global Appoints Janover to Lead Crypto Advisory

On November 18, 2025, Reliance Global Group, Inc. entered into an Advisory Agreement with Convergence Strategy Partners, LLC, appointing Blake Janover as Chairperson of its Crypto Advisory Board. This move aims to strengthen Reliance’s leadership in digital asset initiatives and blockchain strategies, enhancing its InsurTech operations. Janover’s appointment is seen as strategically important, given the recent consolidation in crypto markets, and is expected to drive innovation and long-term shareholder value within the company.

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.

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.