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Reliance Global Group, Inc. (EZRA)

Nasdaq: EZRA · Insurance Agents, Brokers & Service · Lakewood, NJ · filing with the SEC since 2020
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Grade1.5
◀ Past 1.3● Present 2.0▶ Future 1.0
2 est.
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The grade of Reliance Global Group, Inc.

Nine metrics read from its own filings, by tense
Headline grade
1.5/10
◀ Past1.325% of the headline
● Present2.045% of the headline
▶ Future1.030% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.3/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
0.2/10

Has it survived what it has been through?

11 warning events since 2020; the latest 2025-12-18.

weight 45% of this tense · 2nd percentile among 30 sector filers · read for itself

From the record

Reliance Global Group, Inc.'s filings since 2020 show 11 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, 4 times, the latest 2025-12-18); a warning not to rely on past financial statements (8-K item 4.02, the latest 2023-05-18); an auditor change (8-K item 4.01, 2 times, the latest 2024-05-01); a late-report notice (Form NT 10-K or NT 10-Q, 4 times, the latest 2024-05-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.6/10

What has it actually done, year after year?

+18.7% a year over 7 filed years; profitable in 1 of 7.

weight 33% of this tense · 36th percentile among 29 sector filers · read for its customers

From the record

Reliance Global Group, Inc.'s 7 filed years say what it did: revenue went from $4 million in fiscal 2019 to $12 million in fiscal 2025, up 18.7% a year; it rose in 5 of 6 years; the deepest fall was 12% from fiscal 2024 to fiscal 2025; net income was positive in 1 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span18.7%top 43% of its family
  • the share of years revenue rosebottom 38% of its family
  • the share of filed years with a profitbottom 16% of its family
  • the deepest fall from a revenue peak11.6%bottom 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
0.2/10

How has it treated the people who own it?

SI estimate 0.2/10, confidence 35 of 100 (one part).

weight 22% of this tense · 2nd percentile among 29 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 2% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 29 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Reliance Global Group, Inc.'s shareholder treatment is put at 0.2 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 2% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

2.0/1045% of the headline grade · 3 of 3 filed

Financial health

as filed
3.1/10

Is it financially healthy right now?

ROE -109%: lost 109¢ per shareholder dollar. Leverage 53%: owes 53¢ per asset dollar.

weight 33% of this tense · 31st percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Reliance Global Group, Inc. lost about 109 cents for every dollar of shareholders' money. Leverage: it owed about 53 cents per dollar of assets, and net share issuance: its share count grew 441.4% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 18% of its family
  • return on equitybottom 10% of its family
  • the share count against the year beforebottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
0.8/10

How strong is its position in its industry?

bottom 8% of 30 in its family; net margin -56.2%.

weight 45% of this tense · 8th percentile among 30 sector filers · read for its customers

From the record

Reliance Global Group, Inc.'s standing among 30 graded names in its industry family: revenue of $12 million in fiscal 2025 ranks in the bottom 2% by size; a net margin of -56.2% ranks in the bottom 12%; revenue growth of 1.9% a year over the last 3 filed years ranks in the bottom 12% (its annual reports).

What it rests on

  • revenue against the family$12.4Mbottom 2% of its family
  • net margin-56.2%bottom 12% of its family
  • three-year revenue growth1.9%bottom 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
2.5/10

What are the people in charge doing?

bottom 25% of 21 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 25th percentile among 21 sector filers · read for its shareholders

From the record

Reliance Global Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Beyman, Ezra (Chairman and CEO, as filed), filing under that title since 2021-10-07, 5.1 years (top 42% of its family); the 10 officers and directors filing in the last fifteen months have been on the record a median of 3.4 years (bottom 8%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 10 people in charge now (bottom 10%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge8 in three years among 10 peoplebottom 10% of its family
  • the median years the people in charge have filed3.4 yearsbottom 8% of its family
  • the chief executive's years on the record5.1 yearstop 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

1.0/1030% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
0.5/10

How much room does it have to grow?

SI estimate 0.5/10, confidence 35 of 100 (one part).

weight 33% of this tense · 5th percentile among 30 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 5% of 30 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash from operations less capital spending against revenue, the one part on file, ranked among 30 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Reliance Global Group, Inc.'s room to expand is put at 0.5 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 5% of 30 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
1.1/10

What could actually drive growth from here?

bottom 11% of 29 in its family for growth drivers.

weight 33% of this tense · 11th percentile among 29 sector filers · read for its customers

From the record

Reliance Global Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 1.9% a year over the last three filed years against 18.7% over all 7, slowing (bottom 9% of its family); the newest year grew -11.6% (bottom 9%); capital spending grew -36.3% a year (bottom 15%) (its annual reports). Reliance Global Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-16.8 points a yearbottom 9% of its family
  • the newest year's revenue growth-11.6%bottom 9% of its family
  • three-year growth of capital spending-36.3%bottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
1.5/10

Did its newest year beat what its own record pointed to?

bottom 15% of 25 in its family for expectations against reality.

weight 33% of this tense · 15th percentile among 25 sector filers · read for its shareholders

From the record

Reliance Global Group, Inc.'s newest year against its own record: revenue of $12 million in fiscal 2025 came in 19.1% below the $15 million its prior three years' pace pointed to (bottom 14% of its family); net income of $7 million against a prior three-year average of $5 million (bottom 18%); a net margin of -56.2% against -32.3% before (bottom 14%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-19.1%bottom 14% of its family
  • net income against the prior three years' average-43%bottom 18% of its family
  • net margin against its prior average-23.9 pointsbottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton EZRA · research, not advice