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Reliance Global Group, Inc. (EZRA) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Reliance Global Group, Inc. $4.56, price $2.20, upside +107.1%, quality 26 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US75946W5040

RG Reliance Global Group, Inc. logo Thin data Sep 27, 2026

Reliance Global Group, Inc.

EZRA · US

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value $4.56 · Strongly undervalued (+107.1%)
!Quality 26/100
!Expensive Growth (revenue 5y +11.2 %/yr)
!Loss-making · -55.9% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers (2/9)
!Narrow moat 9/100
!Evidence only low, so the estimate is less certain
!The models disagree: range $2.09 to $7.66
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$92,212 $1.79 Fair Value $4.56 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range $1.79 – $92,212 · fair‑value band $2.09 – $7.66 · the $2.20 price screens below the $4.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Reliance Global Group, Inc. acquires, owns, and manages insurance distribution and technology-oriented businesses in the United States.

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Reliance Global Group, Inc. acquires, owns, and manages insurance distribution and technology-oriented businesses in the United States. The company operates RELI Exchange, a business-to-business InsurTech platform and partner network designed to support insurance agents and agencies through technology-enabled tools and operational infrastructure; and 5MinuteInsure.com, a direct-to-consumer InsurTech platform designed to enable consumers to compare, quote, and bind certain insurance products through a streamlined digital interface. It also provides training and mentorship resources to support agent onboarding and business development through its platform; agency services for insurance products in the healthcare, life, bond, auto, and property and casualty sectors; and insurance marketing services. The company was formerly known as Ethos Media Network, Inc. and changed its name to Reliance Global Group, Inc. in October 2018. The company was incorporated in 2013 and is headquartered in Lakewood, New Jersey.

Stock analysis

Reliance Global Group, Inc. (EZRA) currently trades at $2.20, while our model-based Fair Value estimate is $4.56, implying the stock looks roughly 51.7% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $10.57 per share, and 3 of the 3 models we run sit above the $2.20 price.

Bear case: the Asset-Based group reads lowest at $7.75, and 0 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $2.09 (bear) to $7.66 (bull), the price of $2.20 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 26/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Reliance Global Group, Inc. reported revenue of $12.4M in FY2025 versus $9.7M in FY2021, a compound +6.4%/yr. Reported net income was −$7.0M in FY2025.

Key figures

Market cap $1.9M · P/S ratio 0.16 · EPS (TTM) $−28.40 · Net margin −56.2% · Return on equity −134% · Return on assets (EBIT) −39.8% · Operating margin −33.9% · Revenue (TTM) $12.0M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 95% below its 52-week high and 23% above its 52-week low.

For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at 107%, EZRA screens cheaper than that median.

Fair Value models

Bear $2.09 Fair Value $4.56 Bull $7.66
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
DDM Multi-Stage $6.14 $10.57 $12.91 65
Gordon GGM $6.14 $12.23 $18.52 64
NCAV (Graham) $5.78 $7.75 $11.57 54
All 3 models by family
Dividend Discount
Gordon GGM $6.14 $12.23 $18.52 64
DDM Multi-Stage $6.14 $10.57 $12.91 65
Asset-Based
NCAV (Graham) $5.78 $7.75 $11.57 54

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Quality Score breakdown

Overall quality 26/100

Of which business quality 29 · Market factors (momentum, volatility) 17

Profitability 13
Margins and returns on capital today
Quality Growth 32
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 53
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 5
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 32/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−11.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.2%
Start year 2020 (pandemic). Over 10 years: +66.6% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+60.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−49.7% (2020) → −72.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Earlier news

News mood ⓘNews mood, the average tone of recent news (11 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Compare Reliance Global Group, Inc. with another stock

Price, fair value, quality and upside side by side.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 37 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 29 · Bottom 25%
Fair Value upside +93.9% · Top 25%
Profitability
Return on assets −36.6% · Bottom 25%
Net margin (TTM) −55.9% · Bottom 25%
Operating margin (TTM) −33.9% · Bottom 25%
Growth and dividend
Revenue growth −9.7% · Bottom 25%
Dividend yield (TTM) 20.1% · Top 25%
Balance sheet
Debt / equity 0.63× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 0
FUTURE (revenue growth)0 · sector 54
PAST (return on equity)0 · sector 56
HEALTH (low debt)68 · sector 84
DIVIDEND (yield)100 · sector 94

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $171.12 $78.64 −54%
Arthur J. Gallagher & Co AJG $229.46 $75.76 −67%
Aon plc AON $277.99 $120.53 −57%
Willis Towers Watson Public Limited WTW $293.99 $145.43 −51%
Brown & Brown, Inc BRO $61.77 $35.18 −43%
Erie Indemnity Company ERIE $222.43 $100.27 −55%
PB Fintech Limited POLICYBZR ₹1,166 ₹137.52 −88%
Steadfast Group SDF A$5.74 A$3.15 −45%
Accelerant Holdings ARX $19.73 $39.46 +100%
Neptune Insurance Holdings NP $27.51 $3.33 −88%

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Reliance Global Group, Inc. · Fair Value
$4.56 +52%Fair Value
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Cite: Fair Value Calculator (2026). "Reliance Global Group, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/EZRA

Frequently asked questions

Is Reliance Global Group, Inc. (EZRA) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $4.56 versus a price of $2.20, about +107% upside (undervalued).
What is the fair value of EZRA?
Our model-based fair value for Reliance Global Group, Inc. is $4.56 (as of Sep 27, 2026), built from audited fundamentals. The current price: $2.20.
What is the quality score of EZRA?
Reliance Global Group, Inc. has a Quality Score of 26/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Reliance Global Group, Inc. (EZRA)?
Our model-based price target is the fair value of $4.56 (as of Sep 27, 2026) from 3 valuation models. Cautious scenario $2.09, optimistic scenario $7.66. It is a calculation from audited fundamentals, not an analyst target.
What is the Reliance Global Group, Inc. stock forecast for 2026?
Our models put fair value at $4.56, about +107% upside versus a price of $2.20 (undervalued). Cautious scenario $2.09, optimistic scenario $7.66. The calculation is refreshed regularly with new filings.
What is the revenue of Reliance Global Group, Inc. (EZRA)?
Reliance Global Group, Inc. reported trailing-twelve-month revenue of about $12.0M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Reliance Global Group, Inc. (EZRA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Reliance Global Group, Inc. it is $4.56 per share (as of Sep 27, 2026), against a price of $2.20. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Reliance Global Group, Inc. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, EZRA trades below its calculated fair value: price $2.20, fair value $4.56, a gap of about +107% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EZRA?
No. The price is what the market pays today ($2.20); the fair value is what the company's own numbers justify ($4.56). For Reliance Global Group, Inc. the two are $2.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Reliance Global Group, Inc. worth?
The market values Reliance Global Group, Inc. at about $1.9M (market capitalisation, as of Sep 27, 2026). Per share that is $2.20; our models calculate a fair value of $4.56 per share.
What do the bullish and bearish scenarios say about EZRA?
Our models span a range for Reliance Global Group, Inc.: cautious scenario $2.09, base $4.56, optimistic $7.66 per share (as of Sep 27, 2026, price $2.20). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Reliance Global Group, Inc. (EZRA)?
Balance-sheet figures for Reliance Global Group, Inc. (as of Sep 27, 2026): return on equity −134.0%, debt of 0.63 per unit of equity. They feed the Quality Score of 26/100, which measures business quality independently of the share price.
How far is EZRA from its 52-week high?
Reliance Global Group, Inc. trades at $2.20, about 95% below its 52-week high of $41.52 and 23% above the low of $1.79 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $4.56 is for.
Which stocks are comparable to Reliance Global Group, Inc.?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Reliance Global Group, Inc. stock attractive at the current price?
The data as of Sep 27, 2026: price $2.20, calculated fair value $4.56 (+107%), Quality Score 26/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EZRA calculated?
We run Reliance Global Group, Inc. through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.56, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Reliance Global Group, Inc. currently trades 52 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Reliance Global Group, Inc. (EZRA)?
The closing price on Oct 2, 2026 was $2.20. Our model-based fair value is $4.56, about +107% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Reliance Global Group, Inc. right now?
The large discount to fair value meets weak quality (26/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide ($2.09 to $7.66). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Reliance Global Group, Inc.

How large is the market capitalisation of Reliance Global Group, Inc. (EZRA)?
The market capitalisation of Reliance Global Group, Inc. is $1.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Reliance Global Group, Inc. (EZRA)?
The price-to-sales ratio of Reliance Global Group, Inc. is 0.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Reliance Global Group, Inc. (EZRA)?
Earnings per share at Reliance Global Group, Inc. are $−28.40. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Reliance Global Group, Inc. (EZRA)?
The net margin of Reliance Global Group, Inc. is −56.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Reliance Global Group, Inc. (EZRA)?
The return on equity (ROE) of Reliance Global Group, Inc. is −134% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Reliance Global Group, Inc. (EZRA)?
On an EBIT basis the return on assets of Reliance Global Group, Inc. is −39.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Reliance Global Group, Inc. (EZRA)?
The operating margin of Reliance Global Group, Inc. is −33.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Reliance Global Group, Inc. (EZRA)?
Revenue at Reliance Global Group, Inc. is growing −9.7% versus a year earlier (3y avg +1.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Reliance Global Group, Inc. (EZRA) generate?
The free cash flow of Reliance Global Group, Inc. is −$3.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Reliance Global Group, Inc. (EZRA) carry?
The net debt of Reliance Global Group, Inc. is $947K (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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