公司概述
Reliance Global Group, Inc. operates within the Financial Services sector, specifically functioning as an Insurance Broker. The company's core business involves the acquisition and management of wholesale and retail insurance agencies across the United States, offering comprehensive agency services for insurance products in healthcare and medicare, personal and commercial lines, trucking, property and casualty, and general insurance brokerage. As of the latest reporting period, the company maintains a market capitalization of $4.09M and employs 64 individuals to support its operations. The reported annual revenue stands at $13.12M for the trailing twelve months. These valuation and revenue figures indicate that Reliance Global Group operates on a small-cap scale with limited market penetration, reflecting its position as a niche player in the broader insurance brokerage landscape rather than a dominant industry force.
财务健康
The company reported a trailing twelve-month revenue of $13.12M, yet it recorded a net income of $-7,002,578, while EBITDA stands at $-7,316,871. The substantial gap between the positive revenue of $13.12M and the significant negative net income reveals a cost structure where operating expenses and losses vastly exceed gross revenues, resulting in an inability to generate profit from core activities. Despite the net loss, the company possesses free cash flow of $2.09M, which suggests a degree of financial flexibility in generating cash from operations before financing activities, although this is offset by high underlying losses. The company holds cash reserves of $2.58M against total debt of $7.06M, indicating a leveraged balance sheet where liabilities exceed liquid assets. This capital structure is further characterized by a debt-to-equity ratio of 104.67, signifying that the company is highly leveraged relative to its equity base. Liquidity is supported by a current ratio of 1.47, which indicates that the company possesses sufficient current assets to cover its short-term liabilities, though the margin of safety is constrained by the overall negative earnings position. Return on Equity is reported at -146.4% and return on assets is -32.9%, metrics that reveal management is currently destroying value rather than generating returns for shareholders or asset holders, highlighting severe operational inefficiencies.
估值评估
The trailing twelve-month P/E ratio is 3.77, while the forward P/E is 0.85. The significant divergence between these two metrics implies that the market is pricing in a drastic reduction in future earnings relative to historical performance, or that current earnings are heavily distorted by one-time events. The price-to-book ratio stands at 0.58, indicating that the stock trades at a substantial discount to its net asset value, which is often a signal of market pessimism regarding the company's future profitability or asset quality. Alternative valuation metrics such as the price-to-sales ratio of 0.31 and an EV/EBITDA of -0.98 further illustrate the market's skepticism, with the negative EV/EBITDA reflecting the company's inability to cover its interest expenses and operational costs. The stock has exhibited extreme volatility, trading between a 52-week high of $3.55 and a 52-week low of $0.15. Based on the recent market data, the current trading price sits significantly below the 52-week high of $3.55, reflecting the downward pressure on the stock price over the past year. The beta value of 0.07 indicates that the stock's price volatility is exceptionally low relative to the broader market, suggesting that the share price is largely decoupled from general market movements and driven instead by company-specific factors.
Growth & Income
Revenue growth year-over-year is -27.5%, while earnings growth is N/A due to the company's reported net losses. The contraction in revenue indicates a shrinking top line, and the absence of positive earnings growth reinforces the company's deteriorating financial trajectory. As the company is not a dividend payer, it does not distribute a dividend yield, and the payout ratio is 0.0%. Consequently, the company does not reinvest earnings into growth through dividend mechanisms but rather retains capital to offset losses or service debt, a strategy that has not yet translated into positive earnings. The overall growth and income profile for Reliance Global Group is characterized by negative revenue expansion and a complete absence of income distribution, signaling a business model currently struggling to achieve profitability or sustainable growth.