📊 EZRA Key Takeaways
Is Reliance Global Group, Inc. (EZRA) a Good Investment?
Reliance Global Group exhibits severe operational distress with negative profitability across all major metrics, burning cash at an unsustainable rate while revenues remain stagnant. The company's -56.2% net margin, -108.7% ROE, and negative operating cash flow of -$3.1M indicate fundamental business model failure with insufficient assets ($13.5M) to sustain losses. Management faces critical solvency risk within 12-18 months at current burn rates without significant operational restructuring or capital infusion.
Reliance Global Group’s fundamentals are weak, with deeply negative operating and net margins, negative free cash flow, and returns on equity and assets that indicate severe value destruction. Revenue appears stagnant while losses remain large relative to the company’s asset and equity base, which makes the current business model look unsustainably unprofitable. Liquidity is not yet distressed, but the cash balance is thin relative to ongoing cash burn and debt obligations.
Why Buy Reliance Global Group, Inc. Stock? EZRA Key Strengths
- Adequate current ratio of 1.78x suggests near-term liquidity for debt servicing
- Moderate debt/equity ratio of 0.79x indicates leverage not yet at crisis levels
- Minimal capital expenditure requirements ($15.9K) reduce cash drain from growth investments
- Current and quick ratios of 1.78x indicate near-term liquidity is still adequate
- Debt/equity of 0.79x is not extreme relative to many highly stressed small companies
- Revenue base of $12.43M provides an operating platform if margins can improve materially
EZRA Stock Risks: Reliance Global Group, Inc. Investment Risks
- Negative operating cash flow of -$3.1M annually with only $1.3M cash reserves creates imminent runway exhaustion
- Operating losses of -$9.0M on $12.4M revenue indicates core business is fundamentally unprofitable
- Long-term debt of $5.1M against declining equity base ($6.4M) creates negative equity trajectory risk
- Operating margin of -72.5% and net margin of -56.2% show severe underlying unprofitability
- Operating cash flow of -$3.09M and free cash flow of -$3.11M imply continued cash burn against only $1.32M of cash
- Negative interest coverage and ROE of -108.7% suggest debt servicing pressure and ongoing shareholder value erosion
Key Metrics to Watch
- Cash burn rate and months of runway remaining
- Operating income trend toward breakeven
- Revenue growth acceleration to offset structural losses
- Operating cash flow and cash balance runway
- Revenue growth with operating margin improvement
Reliance Global Group, Inc. (EZRA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Reliance Global Group, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
EZRA Profit Margin, ROE & Profitability Analysis
EZRA vs Finance Sector: How Reliance Global Group, Inc. Compares
How Reliance Global Group, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Reliance Global Group, Inc. Stock Overvalued? EZRA Valuation Analysis 2026
Based on fundamental analysis, Reliance Global Group, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Reliance Global Group, Inc. Balance Sheet: EZRA Debt, Cash & Liquidity
EZRA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Reliance Global Group, Inc.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $-9.01 indicates the company is currently unprofitable.
EZRA Revenue Growth, EPS Growth & YoY Performance
EZRA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2025 | $3.1M | -$1.5M | $-0.85 |
| Q1 2025 | $4.1M | -$1.7M | $-0.66 |
| Q3 2024 | $3.3M | -$139.0K | $-0.67 |
| Q2 2024 | $3.2M | -$1.1M | $-2.76 |
| Q1 2024 | $3.9M | -$1.8M | $-0.81 |
| Q3 2023 | $2.8M | -$139.0K | $-0.05 |
| Q2 2023 | $2.8M | -$1.1M | $-0.39 |
| Q1 2023 | $3.1M | -$1.8M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Reliance Global Group, Inc. Dividends, Buybacks & Capital Allocation
EZRA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Reliance Global Group, Inc. (CIK: 0001812727)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EZRA
What is the AI rating for EZRA?
Reliance Global Group, Inc. (EZRA) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 90% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are EZRA's key strengths?
Claude: Adequate current ratio of 1.78x suggests near-term liquidity for debt servicing. Moderate debt/equity ratio of 0.79x indicates leverage not yet at crisis levels. ChatGPT: Current and quick ratios of 1.78x indicate near-term liquidity is still adequate. Debt/equity of 0.79x is not extreme relative to many highly stressed small companies.
What are the risks of investing in EZRA?
Claude: Negative operating cash flow of -$3.1M annually with only $1.3M cash reserves creates imminent runway exhaustion. Operating losses of -$9.0M on $12.4M revenue indicates core business is fundamentally unprofitable. ChatGPT: Operating margin of -72.5% and net margin of -56.2% show severe underlying unprofitability. Operating cash flow of -$3.09M and free cash flow of -$3.11M imply continued cash burn against only $1.32M of cash.
What is EZRA's revenue and growth?
Reliance Global Group, Inc. reported revenue of $12.4M.
Does EZRA pay dividends?
Reliance Global Group, Inc. pays dividends, with $0.4M distributed to shareholders in the trailing twelve months.
Where can I find EZRA SEC filings?
Official SEC filings for Reliance Global Group, Inc. (CIK: 0001812727) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EZRA's EPS?
Reliance Global Group, Inc. has a diluted EPS of $-1.28.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is EZRA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Reliance Global Group, Inc. has a STRONG SELL rating with 90% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is EZRA stock overvalued or undervalued?
Valuation metrics for EZRA: ROE of -108.7% (sector avg: 12%), net margin of -56.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy EZRA stock in 2026?
Our dual AI analysis gives Reliance Global Group, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is EZRA's free cash flow?
Reliance Global Group, Inc.'s operating cash flow is $-3.1M, with capital expenditures of $15.9K. FCF margin is -25.0%.
How does EZRA compare to other Finance stocks?
Vs Finance sector averages: Net margin -56.2% (avg: 25%), ROE -108.7% (avg: 12%), current ratio 1.78 (avg: 1.2).