Reliance Global Group Inc Financials
Reliance Global Group Inc (RELI) reported $12.4M in revenue for fiscal year 2025, down 11.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The dominant mechanic is an asset-light business with cash-consuming operations, supported lately by balance-sheet downsizing rather than internal cash generation.
FY2025 shows a balance-sheet repair that did not come from better operations: operating cash flow was still-$3.1M even as investing cash flow swung to a$5.3M inflow. That is why the current ratio could improve to 1.8x while operating margin weakened to-72.5% ; liquidity got better faster than the core business did.
Revenue fell
Capex was only
Financial Health Signals
Reliance Global Group Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Reliance Global Group Inc passes 6 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 3 leverage/liquidity signals pass, both operating efficiency signals pass.
Reliance Global Group Inc reported a net loss of $7.0M while operations used $3.1M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Reliance Global Group Inc reported an operating loss of $9.0M against $1.0M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Reliance Global Group Inc generated $12.4M in revenue in fiscal year 2025. This represents a decrease of 11.6% from the prior year.
Reliance Global Group Inc's EBITDA was -$7.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 30.0% from the prior year.
Reliance Global Group Inc reported -$7.0M in net income in fiscal year 2025. This represents an increase of 23.0% from the prior year.
Reliance Global Group Inc earned -$1.28 per diluted share (EPS) in fiscal year 2025.
Cash & Balance Sheet
Reliance Global Group Inc recorded an outflow of $3.1M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents a decrease of 22.5% from the prior year.
Reliance Global Group Inc held $1.3M in cash against $4.1M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Reliance Global Group Inc's operating margin was -72.5% in fiscal year 2025, reflecting core business profitability. This is down 17.8 percentage points from the prior year.
Reliance Global Group Inc's net profit margin was -56.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.3 percentage points from the prior year.
Reliance Global Group Inc's ROE was -108.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 193.9 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
Reliance Global Group Inc invested $16K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 34.4% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
RELI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.8M+46.5% | $2.6M+4.7% | $2.5M-19.1% | $3.1M-27.1% | $4.2M+28.5% | $3.3M-4.2% | $3.4M+6.4% | $3.2M |
| SG&A Expenses | $1.4M+73.7% | $781K-30.3% | $1.1M-24.9% | $1.5M-1.5% | $1.5M+47.0% | $1.0M+25.6% | $822K-17.2% | $992K |
| Operating Income | -$1.2M+6.1% | -$1.3M+66.3% | -$3.9M-65.0% | -$2.4M-68.6% | -$1.4M-40.0% | -$1.0M-96.3% | -$512K+55.3% | -$1.1M |
| Income Tax | $0 | N/A | $0 | N/A | $0 | N/A | $0 | $0 |
| Net Income | -$1.5M-6.3% | -$1.4M-19.6% | -$1.2M+57.3% | -$2.7M-56.1% | -$1.7M-24.2% | -$1.4M-67.0% | -$837K+43.8% | -$1.5M |
| EPS (Diluted) | -$0.09 | N/A | -$0.20 | -$0.85-28.8% | -$0.66 | N/A | -$0.67 | -$2.76 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Interest Expense.
RELI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $13.8M+1.8% | $13.5M-13.5% | $15.7M-13.1% | $18.0M+7.1% | $16.8M-2.8% | $17.3M-0.6% | $17.4M-5.0% | $18.3M |
| Current Assets | $4.5M+4.5% | $4.3M-14.9% | $5.0M-29.4% | $7.1M+84.7% | $3.9M-3.5% | $4.0M+4.0% | $3.8M-11.3% | $4.3M |
| Cash & Equivalents | $2.3M+72.8% | $1.3M-49.0% | $2.6M+31.9% | $2.0M+403.9% | $388K+4.2% | $373K-59.7% | $925K-34.2% | $1.4M |
| Goodwill | $4.8M0.0% | $4.8M-13.9% | $5.6M0.0% | $5.6M-16.9% | $6.7M0.0% | $6.7M0.0% | $6.7M0.0% | $6.7M |
| Total Liabilities | $6.4M-10.6% | $7.1M-20.1% | $8.9M-40.3% | $14.9M+5.1% | $14.2M-0.8% | $14.3M-1.9% | $14.6M-5.5% | $15.5M |
| Current Liabilities | $1.9M-22.4% | $2.4M-30.0% | $3.4M-31.8% | $5.0M+27.8% | $3.9M+9.9% | $3.6M+5.0% | $3.4M-8.6% | $3.7M |
| Long-Term Debt | $3.9M-3.6% | $4.1M-12.5% | $4.6M-46.2% | $8.6M-4.7% | $9.1M-4.4% | $9.5M-4.2% | $9.9M-3.9% | $10.3M |
| Total Equity | $7.4M+15.4% | $6.4M-4.7% | $6.7M+118.8% | $3.1M+17.8% | $2.6M-12.7% | $3.0M+6.3% | $2.8M-2.4% | $2.9M |
| Retained Earnings | -$56.5M-2.7% | -$55.1M-2.6% | -$53.7M-2.2% | -$52.5M-5.4% | -$49.8M-3.6% | -$48.1M-3.0% | -$46.7M-1.8% | -$45.8M |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable.
RELI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$571K+64.9% | -$1.6M-99.6% | -$814K+4.5% | -$853K-530.9% | $198K+122.8% | -$867K-14.4% | -$758K-10.7% | -$685K |
| Capital Expenditures | N/A | $0-100.0% | $6K+50.3% | $4K-20.2% | $5K+1.8% | $5K+43.0% | $4K+18.2% | $3K |
| Free Cash Flow | N/A | -$1.6M-98.0% | -$821K+4.2% | -$857K-545.0% | $193K+122.1% | -$872K-14.5% | -$762K-10.7% | -$688K |
| Investing Cash Flow | -$500K-148.1% | $1.0M-75.9% | $4.3M+35501.9% | -$12K+18.4% | -$15K+38.9% | -$24K-9.8% | -$22K-214.0% | -$7K |
| Financing Cash Flow | $1.6M+950.3% | -$185K+94.5% | -$3.4M-238.9% | $2.4M+1536.3% | -$169K-150.4% | $336K+5.4% | $319K-77.2% | $1.4M |
| Dividends Paid | $131K | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
RELI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | -32.4%+18.1pp | -50.5% | -156.8% | -76.8%-43.6pp | -33.2%-2.7pp | -30.5%-15.6pp | -14.9%+20.6pp | -35.5% |
| Net Margin | -38.4%+14.5pp | -53.0%-6.6pp | -46.3%+41.5pp | -87.8%-46.8pp | -41.0%+1.4pp | -42.4%-18.1pp | -24.3%+21.7pp | -46.1% |
| Return on Equity | -19.8%+1.7pp | -21.5%-4.4pp | -17.2%+70.8pp | -88.0%-21.6pp | -66.4%-19.7pp | -46.7%-17.0pp | -29.7%+21.9pp | -51.5% |
| Return on Assets | -10.7%-0.5pp | -10.2%-2.8pp | -7.4%+7.7pp | -15.0%-4.7pp | -10.3%-2.2pp | -8.1%-3.3pp | -4.8%+3.3pp | -8.1% |
| Current Ratio | 2.40+0.6x | 1.78+0.3x | 1.47+0.1x | 1.42+0.4x | 0.98-0.1x | 1.120.0x | 1.130.0x | 1.16 |
| Debt-to-Equity | 0.53-0.1x | 0.63-0.1x | 0.69-2.1x | 2.80-0.7x | 3.46+0.3x | 3.16-0.3x | 3.51-0.1x | 3.56 |
| FCF Margin | N/A | -62.2%-29.3pp | -32.9%-5.1pp | -27.8%-32.3pp | 4.5%+31.0pp | -26.5%-4.3pp | -22.1%-0.9pp | -21.3% |
Not reported in any period shown, so not listed: Gross Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin.
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Where Reliance Global Group Inc Ranks
Frequently Asked Questions
What is Reliance Global Group Inc's annual revenue?
Reliance Global Group Inc (RELI) reported $12.4M in total revenue for fiscal year 2025. This represents a -11.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Reliance Global Group Inc's revenue growing?
Reliance Global Group Inc (RELI) revenue declined by 11.6% year-over-year, from $14.1M to $12.4M in fiscal year 2025.
Is Reliance Global Group Inc profitable?
No, Reliance Global Group Inc (RELI) reported a net income of -$7.0M in fiscal year 2025, with a net profit margin of -56.2%.
What is Reliance Global Group Inc's EBITDA?
Reliance Global Group Inc (RELI) had EBITDA of -$7.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Reliance Global Group Inc have?
As of fiscal year 2025, Reliance Global Group Inc (RELI) had $1.3M in cash and equivalents against $4.1M in long-term debt.
What is Reliance Global Group Inc's operating margin?
Reliance Global Group Inc (RELI) had an operating margin of -72.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Reliance Global Group Inc's net profit margin?
Reliance Global Group Inc (RELI) had a net profit margin of -56.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Reliance Global Group Inc's return on equity (ROE)?
Reliance Global Group Inc (RELI) has a return on equity of -108.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Reliance Global Group Inc's free cash flow?
Reliance Global Group Inc (RELI) recorded an outflow of $3.1M in free cash flow during fiscal year 2025. This represents a -22.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Reliance Global Group Inc's operating cash flow?
Reliance Global Group Inc (RELI) recorded an outflow of $3.1M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Reliance Global Group Inc's total assets?
Reliance Global Group Inc (RELI) had $13.5M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Reliance Global Group Inc's capital expenditures?
Reliance Global Group Inc (RELI) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Reliance Global Group Inc's current ratio?
Reliance Global Group Inc (RELI) had a current ratio of 1.78 as of fiscal year 2025, which is generally considered healthy.
What is Reliance Global Group Inc's debt-to-equity ratio?
Reliance Global Group Inc (RELI) had a debt-to-equity ratio of 0.63 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Reliance Global Group Inc's return on assets (ROA)?
Reliance Global Group Inc (RELI) had a return on assets of -51.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Reliance Global Group Inc's Piotroski F-Score?
Reliance Global Group Inc (RELI) has a Piotroski F-Score of 6 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Reliance Global Group Inc's earnings high quality?
Reliance Global Group Inc (RELI) reported a net loss of $7.0M while operations used $3.1M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Reliance Global Group Inc cover its interest payments?
Reliance Global Group Inc (RELI) reported an operating loss of $9.0M against $1.0M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.