Stock fact sheet · data as of
Reliance Global Group, Inc. (EZRA): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Brokers · United States · Speculative / Distressed
Is EZRA undervalued?
At 2.48 (close of 16 Oct 2026), EZRA trades 86% below the GLS average fair value of 17.66. That average comes from 1 models run on the latest filings, and 1 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Reliance Global Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
Only 1 of the nine models produced a value (DDM); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
The nightly engine files EZRA under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for EZRA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 17.66 | +612% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -5.13 | -307% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: EZRA passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 0.3 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC -80.4%, ROE -108.7%, ROA -51.6% - with debt at 0.35 times equity and negative free cash flow.
The dividend yield is high at 48.39% (payout ratio -2%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Insurance 100% (quarter Q2 FY2026).
Institutional ownership scores 1/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -80.4% |
|---|---|---|---|
| GLS Moat | 0.3 / 10 | ROE | -108.7% |
| Debt / equity | 0.35 | ROA | -51.6% |
| Free-cash-flow yield | -517.7% | Payout ratio | -2% |
| Institutions | 1 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 39: No options
EZRA has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 239k shares a day on a market cap of $1M, with a beta of 0.14 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 8 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 86% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 0 / 15 | moat 0.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 8 / 20 | 239k shares/day, $1M cap, beta 0.14 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 5 Nov 2026, 20 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Brokers
The 12 companies below are the closest to Reliance Global Group, Inc. by market cap within the Insurance - Brokers industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| HUIZ Huize Holding Limited | 1.43 | 331.43 | +100% | 39No options | $723K |
| ZBAO Zhibao Technology Inc. Class A Ordinary Shares | 1.02 | - | - | 36No options | $9M |
| MAAL The Marketing Alliance, Inc. | 1.65 | 5.14 | +68% | 39No options | $11M |
| EHTH eHealth, Inc. | 0.6065 | 26.68 | +98% | 51Fair | $19M |
| SLQT SelectQuote, Inc. | 0.3320 | 9.16 | +96% | 53Fair | $59M |
| AIFU AIFU Inc. | 11.31 | 2.89 | -291% | 20Weak | $67M |
| QDMI QDM International Inc. | 10.00 | 37.44 | +73% | 39No options | $86M |
| XHG XChange TEC.INC | 1.85 | - | - | 30No options | $95M |
| TWFG TWFG, Inc. Common Stock | 24.11 | 27.32 | +12% | 39No options | $311M |
| WDH Waterdrop Inc. | 1.03 | 51.43 | +98% | 39No options | $373M |
| GSHD Goosehead Insurance, Inc | 45.60 | 65.62 | +31% | 73Good | $1.7B |
| LIFE Ethos Technologies Inc. | 38.76 | 15.70 | -147% | 23Weak | $2.5B |
⚖ Compare EZRA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EZRA
Is EZRA undervalued right now?
By the GLS models, yes: at 2.48 the stock is 86% below the average fair value of 17.66 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of EZRA and what does it mean?
EZRA has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for EZRA?
17.66 per share as of 16 Oct 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Reliance Global Group, Inc. report earnings next?
The next earnings report is due on 5 Nov 2026, 20 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does EZRA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EZRA, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.