How profitable is Reliance Global Group Inc. (EZRA)?

In FY 2025 (10-K), EZRA converted $12.4M of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

Stock Ratings / Financials / EZRA / financials

ZBAO (27) EHTH (41) CCG (55) HUIZ (70) ⌘ Pro Terminal →

Reliance Global Group Inc. (EZRA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$2.19 +6.83% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.21

Reliance Global Group Inc. (EZRA) carries a Roarable Rating of E (Strong Sell) with 24/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $3.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EZRA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Reliance Global Group Inc. (NASDAQ: EZRA) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 24/100 at a spot price of $2.19 (+6.83% 1D, market cap $3.4M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 5/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 6/20. Across 1097 tracked Financials issuers, EZRA ranks #1070 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EZRA compare to ZBAO and EHTH in the Financials sector?

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Within the Financials sector (Specialty Insurers), EZRA carries a Roarable E (24/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, ZBAO (Zhibao Technology Inc. (Class A)) holds a E grade (27/100 RQD, P/E N/A, ROIC -35.0%, cap $2.4M) and EHTH (eHealth Inc.) posts a D- grade (41/100 RQD, P/E N/A, ROIC 8.3%, cap $15.8M). Among the 5-stock peer group, HUIZ leads on earnings multiple (39.0x) while EHTH leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EZRA?

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Per EZRA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001812727), Reliance Global Group Inc. generated $12.4M in revenue (-11.6% YoY), -$7.0M in net income, and -$3.1M in free cash flow against $13.5M in total assets and $4.1M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.21 (+1.04%)🧬 Disciplined Float (+0.44% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (24/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-10.9% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk E

Each axis scored 0–20

12M PRICE TARGET CONE-15.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EZRA)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (24/100 Composite)

🔍 WHY EZRA SCORES 24/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+7/20 pts (29% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 41.8 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+6/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 30% Net Buy • Disciplined Float (+0.44% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$2.30+2.6% Next Q

Q2 (-2Q)

Grade E$2.36-6.8% Next Q

Q3 (-1Q)

Grade E$2.20-0.5% Next Q

Current

Grade E$2.19-10.9% Hist 90D α

Trajectory: E (32) → E (24)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a EZRA Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While EZRA currently carries a cautious 24/100 (E) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.48) and Max Pain ($2.30) forces dealer call-delta covering toward $42.00.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.44% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EZRA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EZRA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 24%NO 76%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How EZRA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $13.7M

FY24

Rev $14.1M

FY25

Rev $12.4M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$12.4M	52%	-72.5%	-$7.0M	-$3.1M	-45%
FY 2024	$14.1M	52%	-54.8%	-$9.1M	-$2.5M	-45%
FY 2023	$13.7M	52%	-80%	-$12.0M	-$848.0K	-35%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EZRA)

✓Walkthrough of EZRA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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EZRA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -69.41%⚡ TESTING RESISTANCE

2026-11-03O $2.21H $2.21L $2.05C $2.19VOL 25.1K

RES: $2.42SUP: $1.69SMA50: $2.48SMA200: $5.09

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EZRA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EZRA Butterfly Map → + Track EZRA →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. -11.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EZRA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EZRA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EZRA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EZRA)

Financials Rank #1070 of 1097 ⚔️ ZBAO vs EZRA Full Matrix →

1. Head-to-Head Financials Peer Comparison (EZRA vs. ZBAO, EHTH, CCG, HUIZ)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Reliance Global Group Inc. (EZRA) ranks #1070 by composite RQD confidence (24/100, grade E) and #1086 by equity capitalization ($3.4M). Within this direct 5-issuer industry benchmark cohort, HUIZ leads on earnings valuation at 39.0x trailing P/E, while EHTH leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. HUIZ currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with EZRA at 24/100 (E).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EZRA ACTIVE Reliance Global Group Inc.	E	24/100	—	—	-35.0%	+6.83%	$3.4M	Benchmark Subject
ZBAO Zhibao Technology Inc. (Class A)	E	27/100	—	—	-35.0%	+1.92%	$2.4M	/zbao-vs-ezra →
EHTH eHealth Inc.	D-	41/100	—	—	8.3%	+2.60%	$15.8M	/ehth-vs-ezra →
CCG Cheche Group Inc. (Class A)	D+	55/100	—	—	—	+0.28%	$17.9M	/ccg-vs-ezra →
HUIZ Huize Holding Limited	B-	70/100	39.0x	—	3.1%	-3.11%	$22.7M	/huiz-vs-ezra →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001812727 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Reliance Global Group Inc. (EZRA) reported GAAP revenue of $12.4M (-11.6% vs. FY2024 revenue of $14.1M , and -9.5% cumulative change since FY2023) , GAAP net income of -$7.0M, operating cash flow of -$3.1M, and free cash flow of -$3.1M (-22.5% YoY). On the balance sheet, EZRA closed FY2025 with $13.5M in total assets against $4.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$12.4M	-$7.0M	-$3.1M	-$3.1M	$13.5M	$4.1M
FY2024 (FY)	2024-12-31	$14.1M	-$9.1M	-$2.5M	-$2.5M	$17.3M	$9.5M
FY2023 (FY)	2023-12-31	$13.7M	-$12.0M	-$848.0K	-$848.0K	—	—

3. EZRA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EZRA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does EZRA compare to ZBAO and EHTH in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for EZRA?

Where is EZRA trading relative to its 50-day, 200-day, and 52-week technical levels?

EZRA last traded at $2.19 (+6.83% on volume of 22,504 shares), positioning the stock -11.69% below its 50-day simple moving average ($2.48) and -56.97% below its 200-day simple moving average ($5.09). Across its 52-week range of $1.75 to $40.00, EZRA sits at the 1.2% percentile with a 14-day RSI of 41.8 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.92 to $2.46).

Direct Sub-Reports: EZRA RQD Cockpit EZRA 12M Forecast EZRA Earnings & Move EZRA Dividends & DRIP EZRA Insiders & 13F EZRA Whale Options EZRA Profit Sankey EZRA News & Why

ROARABLE RATING BRIEF • RQD 24/100 (E) ✓ SEC XBRL & RQD VERIFIED

EZRA — Reliance Global Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Reliance Global Group Inc. (EZRA) earns a live Roarable RQD composite score of 24/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $2.19 (+6.83% 1D, market capitalization $3.4M).

Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of —, operating margin of -60.0%, and free cash flow yield of —.
Whale 13F & Options Flow (3/20) + Insider Conviction (6/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (7/20) + Forensic Balance Sheet (5/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Reliance Global Group Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Specialty Insurers industry,. Market capitalization is listed at $0.0B in the profile section and $3.7M in market data. Revenue reported in the SEC financials ranges from $12.4M to $14.1M across the three listed fiscal years.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Reliance Global Group Inc. (EZRA) reported $12.4M in annual revenue (up from $14.1M in FY2024, -11.6% YoY) and -$7.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($13.7M revenue, -$12.0M net income) through FY2025, EZRA scaled operating cash flow to -$3.1M and free cash flow to -$3.1M, backed by $13.5M in total assets against $4.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (E • RQD 24/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $1.75 – $40.00 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -60.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Specialty Insurers (Financials), EZRA carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can EZRA sustain or expand its -60.0% operating margin and -35.0% ROIC against Specialty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $12.4M and free cash flow of -$3.1M, how will capital allocation balance growth reinvestment against $4.1M in total debt?
Key Question #3: How sensitive is EZRA's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EZRA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Reliance Global Group Inc. (EZRA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EZRA Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Reliance Global Group Becomes Debt Free Following Retirement of 100% of Its Term Debt

Yahoo Finance report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Reliance Global Group, Inc. Estimates – NASDAQ:EZRA

TradingView report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Holders of roughly 11.78% demand director removals at Reliance Global Group (EZRA).

Stock Titan report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Reliance Global (EZRA) Plans Acquisition of GPU Cloud Assets to Boost AI Computing

GuruFocus report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Reliance Global Group Signs LOI to Acquire a GPU Cloud Provider, Targeting Rapid Growth in AI Infrastructure

Yahoo Finance report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Reliance Global Group approves cash settlements for Ezra Beyman and Judah Korman awards

TradingView report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Reliance Global Group retires $4.4M term loan, now debt free with $6M+ cash

TradingView report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 1d ago

EZRA Q1 2023 Earnings: Large EPS Surprise Meets Negative Stock Reaction - Earnings Surprise Score

https://www.dars.gov.et/ report covering Reliance Global Group Inc. (EZRA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EZRA Bull vs. Bear Conversation Board — What's Your Call at $2.19?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EZRA 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $2.44 (+19.0%)

📌 Pinned Debate

Reliance Global reports it has retired 100% of its term debt, reducing reported debt from $9.5M in FY 2024 to $4.1M in FY 2025.

Don't sleep on EZRA's setup in Financials. Reliance Global reports it has retired 100% of its term debt, reducing reported debt from $9.5M in FY 2024 to $4.1M in FY 2025.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (24/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 24/100 quality, though with 1.0 beta I'm scaling in with half-size at $2.05 and keeping dry powder in case we test $1.91.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $1.56 (-23.9%)

Spot @ $2.05

The RQD rating scores the Fundamental Cash Engine at 3 out of 20, with ROIC at -35% and FCF yield at 0%.

Here is the bear case nobody on the bull side wants to address on EZRA: The RQD rating scores the Fundamental Cash Engine at 3 out of 20, with ROIC at -35% and FCF yield at 0%.. At current EV/EBITDA multiples, even a small guidance miss in Specialty Insurers triggers a 12-15% air pocket.