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Reliance Global Group, Inc. (XGPU) stock analysis

XGPUNasdaqInsurance Agents, Brokers & ServiceFiscal year ends December 31Also trades as EZRA
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026Score 2/30
Share price
Not available yet

Price, market cap and P/E appear here once daily prices are connected.

StockData Score

Prices as of Nov 13, 2026How the score works

Value0Growth0Performance1Health1Dividend0

Weak2 of 30 checks passed

Reliance Global passes 2 of the 30 checks behind our score; 20 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
1/6
Financial health
1/6
Dividend
0/6

What stands out

  • Net margin above its 5-year average

    Net margin was -54.3% over the last twelve months, against a 5-year average of -74.1%.

  • Short-term assets cover short-term debts

    Current assets are 1.63 times current liabilities.

What to watch

  • High debt

    Debt is 67.2% of shareholders' equity, above the 40% we consider low.

  • Revenue growing under 10% a year

    Revenue grew 1.9% a year over the last three fiscal years, short of the 10% we look for.

  • Debt not well covered by cash flow

    Operating cash flow over the last twelve months equals -105% of total debt; we look for at least 20%.

  • Growing slower than the industry

    Revenue grew -21.4% over the last twelve months; the Insurance Agents, Brokers, and Service median is 9.2%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew 1.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew -21.4% over the last twelve months; the Insurance Agents, Brokers, and Service median is 9.2%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets under 1%

    Return on assets was -38.9%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Reliance Global's return on equity of -123% is below the Insurance Agents, Brokers, and Service median of 9.3%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was -54.3% over the last twelve months, against a 5-year average of -74.1%.

  • Net margin below the industry

    Reliance Global's net margin of -54.3% is below the Insurance Agents, Brokers, and Service median of 4.9%.

Financial health1/6

  • High debt

    Debt is 67.2% of shareholders' equity, above the 40% we consider low.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt not well covered by cash flow

    Operating cash flow over the last twelve months equals -105% of total debt; we look for at least 20%.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term assets cover short-term debts

    Current assets are 1.63 times current liabilities.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Reliance Global has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Reliance Global. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2018 to 2025

Operating margin

-72.5%−22.8 pts over 5 years

Net margin

-56.2%−5.8 pts over 5 years

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