Latest Ratios: P/E Ratio -0.0x · EV/EBITDA N/A · ROE -178.8%. (2013–2024 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $553552 | $3M | $11M | $159M | $1.1B | $639M | $1.4B | $239M | $34M | — | — |
| Enterprise Value | $13M | $15M | $24M | $176M | $1.1B | $653M | $1.4B | $242M | $34M | — | — |
| P/E Ratio → | -0.03 | — | — | 4.58 | — | — | — | 0.57 | — | — | — |
| P/S Ratio | 0.04 | 0.18 | 0.78 | 13.48 | 113.84 | 87.56 | 310.03 | 11585.81 | 871.65 | — | — |
| P/B Ratio | 0.08 | 0.87 | 1.50 | 17.79 | — | — | 2148.24 | 4005.54 | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.09 | 1.74 | 14.93 | 114.39 | 89.47 | 313.02 | 11714.76 | 874.25 | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | 208.70 | — | — | — |
| EV / EBIT | — | — | — | 7.81 | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 18.8% | 18.8% | 18.2% | 9.5% | 26.9% | 28.4% | 32.1% | -393.4% | 92.1% | -0.7% | -51.7% |
| Operating Margin | -54.8% | -54.8% | -101.1% | -55.9% | -30.0% | -49.7% | -69.7% | 428.2% | -2458.7% | -4410.3% | -833.5% |
| Net Profit Margin | -64.5% | -64.5% | -87.5% | 55.0% | -217.3% | -50.4% | -78.5% | 2042.4% | -6599.8% | -4410.3% | -825.3% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -178.8% | -178.8% | -149.6% | 72.6% | — | -1271.0% | -995.8% | 706.1% | — | -71.6% | -40.3% |
| ROA | -45.0% | -45.0% | -39.1% | 19.6% | -92.3% | -21.0% | -35.9% | 30.9% | -417.4% | -71.3% | -40.1% |
| ROIC | -32.0% | -32.0% | -44.9% | -189.7% | — | -19.5% | -27.9% | 9.9% | — | -53.9% | -30.7% |
| ROCE | -45.9% | -45.9% | -55.1% | -99.1% | — | -30.9% | -45.5% | 6.7% | — | -71.5% | -40.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.35 | 4.35 | 2.03 | 1.97 | — | — | 20.77 | 44.77 | — | — | — |
| Debt / EBITDA | — | — | — | — | — | — | — | 2.31 | — | — | — |
| Net Debt / Equity | — | 4.22 | 1.85 | 1.91 | — | — | 20.76 | 44.58 | — | -0.00 | -0.01 |
| Net Debt / EBITDA | — | — | — | — | — | — | — | 2.30 | — | -0.11 | — |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | -4.86 | -4.86 | -8.38 | -7.17 | — | — | — | — | -5.35 | — | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.12 | 1.12 | 1.37 | 0.42 | 0.18 | 0.21 | 0.14 | 0.10 | 0.05 | 0.31 | 5.46 |
| Quick Ratio | 1.12 | 1.12 | 1.37 | 0.42 | 0.18 | 0.21 | 0.14 | 0.10 | 0.18 | 0.31 | 5.46 |
| Cash Ratio | 0.10 | 0.10 | 0.42 | 0.06 | 0.09 | 0.01 | 0.00 | 0.01 | 0.04 | 0.31 | 5.46 |
| Asset Turnover | — | 0.81 | 0.60 | 0.31 | 0.35 | 0.40 | 0.26 | 0.01 | 0.16 | 0.02 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | 0.0% | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | 15.8% | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | 21.8% | — | — | — | 176.3% | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $1M | $1M | $1M | $673136 | $390867 | $191853 | $62727 | $22321 | $22060 | $21666 |
Severe liquidity and solvency
As reported in recent financial statements, RELI trades at a P/B ratio of 0.08, a significant discount that suggests the market is pricing in substantial asset impairment risks rather than viewing the company as a viable, long-term insurance franchise with sustainable growth prospects.
The extremely low P/B multiple indicates that investors are heavily discounting the book value, likely due to the high concentration of intangible assets and goodwill from past acquisitions. This valuation suggests that the market lacks confidence in the company's ability to generate future ROE, viewing the current equity base as potentially impaired by persistent operating losses.
Based on quarterly data, the combined ratio has exhibited extreme volatility, peaking at 176.8% in 2025Q2, which indicates that the company's underwriting activities are currently failing to generate a profit and are instead acting as a significant drain on the firm's limited capital resources.
The inability to maintain a combined ratio below 100% suggests that the company's pricing models or risk selection processes are not yet optimized for its niche markets. This persistent underwriting loss, combined with high expense ratios, implies that the firm is struggling to achieve the necessary scale to cover its fixed costs.
According to historical financial data, the company's D/E ratio has fluctuated significantly, reaching as high as 7.23 in 2024Q1, which highlights a precarious reliance on debt to fund operations in the absence of internally generated capital from underwriting or brokerage activities.
High underwriting leverage in a loss-making environment is particularly dangerous, as it limits the company's financial flexibility and increases the risk of insolvency. The current debt levels appear unsustainable given the negative interest coverage ratios, suggesting that the firm may face difficulty in securing additional financing without further diluting existing shareholders.
As indicated by the company's financial profile, the P/B ratio is a frequently misapplied metric for RELI, as it obscures the reality that a large portion of the book value consists of intangible assets that may hold little liquidation value in a distressed scenario.
Investors should instead focus on tangible book value and cash-based liquidity metrics, as the reported P/B ratio provides a false sense of asset backing. Relying on standard valuation multiples for this entity risks ignoring the severe liquidity constraints and the potential for rapid erosion of the capital base due to ongoing operational cash burn.
Includes 30+ ratios · 12 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying RELI stock.
Reliance Global Group, Inc.'s current P/E ratio is -0.0x. The historical average is 2.6x.
Reliance Global Group, Inc.'s return on equity (ROE) is -178.8%. The historical average is -57.3%.
Based on historical data, Reliance Global Group, Inc. is trading at a P/E of -0.0x. Compare with industry peers and growth rates for a complete picture.
Reliance Global Group, Inc. has 18.8% gross margin and -54.8% operating margin.