Reliance Global Group (RELI) AI Stock Analysis

• Market Cap: $5.26M
• Dividend Yield: N/A
• Average Volume (3M): 3.41M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.35
• 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: 1.70
• 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: $0.50 ▼(-15.25% Downside)

RELI scores low primarily due to weak financial performance (ongoing losses and cash burn) and bearish technicals (below major moving averages with negative MACD). Deleveraging actions and improved liquidity from divestitures help, but valuation support is limited by negative earnings and corporate risk is elevated due to Nasdaq bid-price noncompliance.

Positive Factors

Debt Reduction

Reducing long-term debt by 50% improves financial flexibility and reduces interest expenses, supporting long-term stability.

Strategic Divestitures

Strategic divestitures streamline operations and focus resources on high-growth areas, enhancing competitive positioning and scalability.

Liquidity Improvement

Significant liquidity improvement provides a buffer against financial volatility and supports investment in growth initiatives.

Negative Factors

Revenue Decline

Severe revenue contraction indicates challenges in maintaining market share and operational efficiency, impacting long-term growth.

Nasdaq Noncompliance

Noncompliance with Nasdaq listing requirements poses a risk of delisting, which could limit access to capital markets and investor confidence.

Negative Profit Margins

Deeply negative profit margins reflect operational inefficiencies and financial strain, challenging the company's ability to achieve profitability.

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: Negative
• 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 above the 20-day moving average (MA) of 0.58, below the 50-day MA of 0.69, and below the 200-day MA of 1.03, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 37.42 is Neutral, neither overbought nor oversold. The STOCH value of 26.78 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	58 Neutral	$123.06M	107.82	5.88%	―	16.79%	―
HUIZ	46 Neutral	$22.77M	8.72	4.56%	―	19.30%	-17.56%
GOCO	44 Neutral	$38.30M	-0.15	-142.05%	―	7.56%	-344.04%
RELI	44 Neutral	$5.26M	-0.22	-146.43%	―	-6.84%	97.23%
TIRX	43 Neutral	$12.56M	-0.15	-11.18%	―	624.24%	85.46%
ZBAO	41 Neutral	$35.05M	-3.70	―	―	80.80%	―

Reliance Global Group Corporate Events

Reliance Global sells non-core insurance agencies to deleverage

On December 23, 2025, Reliance Global Group entered into an asset purchase agreement to sell substantially all assets of its insurance brokerage and related services business operated through subsidiaries Employee Benefits Solutions, LLC and U.S. Benefits Alliance, LLC to Employee Benefit Solutions Inc. for $1.05 million in cash, with the transaction effective as of November 30, 2025 and closing on December 24, 2025. Announced on December 29, 2025, the divestiture of these Cadillac, Michigan-based non-core agencies is part of Reliance’s broader balance sheet rationalization strategy, with half of the proceeds earmarked for debt reduction and the remainder for reinvestment in its core technology platforms; management said the move has helped cut long-term debt by about $6 million, or more than 50%, and is intended to improve financial flexibility, scale its RELI Exchange and 5minuteinsure.com operations, and strengthen the company’s competitive position.

The most recent analyst rating on (RELI) stock is a Hold with a $0.57 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

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.

The most recent analyst rating on (RELI) stock is a Hold with a $0.71 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.

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.

The most recent analyst rating on (RELI) stock is a Hold with a $0.50 price target. To see the full list of analyst forecasts on Reliance Global Group stock, see the RELI Stock Forecast page.