Reliance Global Group, Inc. — financial distress indicators
Financial-health summary
Reliance Global Group, Inc.'s reported numbers place it in the 'Watch' financial-health band (distress score 39/100). The main indicators are consecutive annual losses, share price down >80% from 52-week high and extreme volatility.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Price is -95% from its 52-week high.
Equity markets price distress early; collapses of this size usually reflect fear of wipe-out in a restructuring.
Annualised volatility is 133%.
High equity volatility raises the market-implied default probability.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- Reliance Global Group, Inc. (EZRA) cash flow - Yahoo Finance UKGoogle News · 2026-10-08
- A second agency sale in September brings cash to Reliance Global Group (EZRA). - Stock TitanGoogle News · 2026-10-05
- Opinion | Jensen Huang Thinks A.I. Alarmism Has Gone Too Far - The New York TimesGoogle News · 2026-09-23
- Navan (NASDAQ:NAVN) CTO Ilan Ezra Twig Sells 36,040 Shares of Stock - MarketBeatGoogle News · 2026-09-23
- Reliance Global Group Board Adopts One-Year Stockholder Rights Plan to Protect Shareholder Value - Quiver QuantitativeGoogle News · 2026-09-03
- EZRA Stock Spikes Intraday As Deep Value Picture Emerges - StocksToTradeGoogle News · 2026-08-03
⚖️ U.S. legal pathway — state insurance receivership
- Insurance companies are excluded from Title 11 (§109(b)(2)); they are rehabilitated or liquidated by the state insurance commissioner.
- State guaranty associations protect policyholders up to statutory limits; shareholders rank last.
- The listed holding company can still file Chapter 11. Warning signs: risk-based capital ratios near action levels, reserve deficiencies, catastrophe losses.
Frequently asked questions
What do Reliance Global Group, Inc.'s financial-health indicators show?
As of 2026-10-08, Reliance Global Group, Inc.'s public financial data places it in the 'Watch' band with a distress score of 39/100, driven by consecutive annual losses, share price down >80% from 52-week high and extreme volatility. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Reliance Global Group, Inc.'s financial distress score?
39/100 ('Watch').
What works in Reliance Global Group, Inc.'s favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Insurance companies with distress indicators
- Porch Group, Inc. (PRCH)Watch 43/100
- Oxbridge Re Holdings Limited (OXBR)Watch 40/100
- MBIA Inc. (MBI)Watch 37/100
- Presurance Holdings, Inc. (PRHI)Watch 36/100
- Goosehead Insurance, Inc. (GSHD)Watch 35/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.