Reliance Global Group AI Stock Analysis
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Reliance Global Group (XGPU) AI Stock Analysis
Reliance Global Group
(NASDAQ:XGPU)
The score is weighed down primarily by weak financial performance (deep unprofitability and ongoing cash burn) and bearish technical positioning (below key moving averages with negative MACD). Earnings-call commentary provides some support via meaningful cost reductions and a stated path toward AI-driven revenue, but near-term revenue pressure, liquidity constraints, and execution risk keep the overall score low; valuation is also not supportive due to negative earnings and no dividend.
Reliance Global Group (XGPU) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $3.41M
- Dividend Yield
- ―
- Average Volume (3M)
- 180.25K
- Price to Earnings (P/E)
- -0.1
- Beta (1Y)
- 1.52
- Revenue Growth
- -21.45%
- EPS Growth
- 82.28%
- Country
- US
- Employees
- 40
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Brokers
Reliance Global Group Business Overview & Revenue Model
Company Description
Reliance Global Group, Inc. acquires, owns, and manages insurance distribution and technology-oriented businesses in the United States. The company operates RELI Exchange, a business-to-business InsurTech platform and partner network designed to supp...
How the Company Makes Money
Reliance Global Group primarily makes money through insurance distribution economics. Its key revenue stream is commissions and fees earned for placing and servicing insurance policies with insurance carriers (e.g., personal and commercial lines). Re...
Reliance Global Group Financial Statement Overview
Summary
Financials are the primary weakness: profitability is deeply negative with declining recent revenue and large operating losses, and cash flow shows persistent operating/free-cash-flow burn across all periods. The main offset is balance-sheet improvement versus 2023–2024 with materially lower debt and a more normalized debt-to-equity profile, but returns remain negative due to ongoing losses.
Income Statement
18Very NegativeBalance Sheet
42NeutralCash Flow
20Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.12M | 12.43M | 14.05M | 13.73M | 11.76M | 9.71M |
| Gross Profit | 1.34M | -2.49M | 2.64M | 2.50M | 1.11M | 2.61M |
| EBITDA | 2.27M | -7.68M | -5.70M | -5.76M | 25.04M | -1.53M |
| Net Income | -6.00M | -6.99M | -9.07M | -12.01M | 6.47M | -21.10M |
Balance Sheet | ||||||
| Total Assets | 12.87M | 13.55M | 17.32M | 23.02M | 38.43M | 27.68M |
| Cash, Cash Equivalents and Short-Term Investments | 843.51K | 1.32M | 372.69K | 1.33M | 505.41K | 4.14M |
| Total Debt | 5.27M | 2.26M | 13.03M | 14.54M | 17.57M | 9.43M |
| Total Liabilities | 6.22M | 7.12M | 14.32M | 15.87M | 29.52M | 53.74M |
| Stockholders Equity | 6.65M | 6.43M | 3.00M | 7.15M | 8.91M | -26.07M |
Cash Flow | ||||||
| Free Cash Flow | -7.14M | -3.11M | -2.60M | -1.04M | -3.99M | -2.94M |
| Operating Cash Flow | -7.11M | -3.09M | -2.52M | -847.97K | -3.19M | -2.25M |
| Investing Cash Flow | 4.11M | 5.33M | -83.23K | 710.19K | -24.64M | -2.30M |
| Financing Cash Flow | -788.45K | -1.30M | 1.66M | 966.92K | 25.12M | 8.64M |
Reliance Global Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XGPU, the sentiment is Negative. The current price of 1.96 is below the 20-day moving average (MA) of 2.24, below the 50-day MA of 2.42, and below the 200-day MA of 4.67, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 43.07 is Neutral, neither overbought nor oversold. The STOCH value of 44.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XGPU.
Reliance Global Group Risk Analysis
Reliance Global Group disclosed 38 risk factors in its most recent earnings report. Reliance Global Group reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
2 New RisksReliance Global Group Peers Comparison
Overall Rating
HUIZ68Neutral
EHTH54Neutral- XGPU44Neutral
ZBAO41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HUIZ | 68Neutral | $22.23M | 0.27 | 6.41% | ― | ― | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| EHTH | 54Neutral | $14.85M | -0.48 | 2.70% | ― | -13.60% | -899.66% |
| XGPU | 44Neutral | $3.36M | -0.11 | -88.14% | ― | -21.45% | 82.28% |
| ZBAO | 41Neutral | $1.73M | -0.03 | -424.23% | ― | 37.29% | -396.20% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| XGPU | Reliance Global Group | 1.96 | -27.67 | -93.38% | |
| EHTH | Ehealth | 0.46 | -3.51 | -88.51% | |
| HUIZ | Huize Holding Ltd. | 2.19 | -1.01 | -31.56% | |
| ZBAO | Zhibao Technology Inc. Class A | 0.22 | -50.28 | -99.57% |
Reliance Global Group Corporate Events
Reliance Global Group Completes Oblivus Acquisition, Enters AI Cloud Market
PositiveOn November 3, 2026, GPU Exchange Corp., Reliance Global Group’s wholly owned subsidiary, completed its acquisition of Oblivus assets from Skyportal, gaining the platform’s technology, intellectual property, brand, data, relationships and goodwill. T...
Reliance Global Group Advances GPU Exchange AI Strategy
PositiveOn October 19, 2026, Reliance Global Group’s independent Compensation Committee approved cash settlements for most of the previously granted equity awards to senior executives, including Chairman and CEO Ezra Beyman, COO Judah Korman and Vice Preside...
Reliance Global Eliminates Term Debt, Strengthens Liquidity
PositiveOn October 5, 2026, Reliance Global Group announced it had fully repaid its term loan with Oak Street Funding, eliminating its only term debt and leaving more than $6 million of cash on its balance sheet. The $4.4 million loan, which had an outstandi...
Reliance Global Divests Altruis to Focus InsurTech Strategy
PositiveOn October 1, 2026, Reliance Global Group announced it had completed the sale of substantially all assets of its Altruis Benefit Consulting subsidiary, a Michigan-based health insurance agency and benefits consultant. The Altruis transaction closed o...
Reliance Global Group streamlines debt after asset sale
PositiveOn September 23, 2026, Altruis Benefit Consultants, a wholly owned subsidiary of Reliance Global Group, sold substantially all assets of its employee benefits insurance agency business to Altruis Benefit Management for $8 million, comprising cash, a...
Reliance Global divests subsidiary to fund InsurTech growth
PositiveOn September 11, 2026, Reliance Global Group completed the sale of its Southwestern Montana Insurance Center subsidiary, a full-service insurance agency, to Scali Insurance Group for $2.625 million in cash at closing, plus an uncapped earnout tied to...
Reliance Global Group Amends Credit Deal for Flexibility
PositiveOn September 4, 2026, Reliance Global Group’s subsidiaries entered a Sixth Amendment to their Master Credit Agreement with Oak Street Funding, allowing the approved sale of Southwestern Montana Insurance Center while reallocating only half of the $1....
Reliance Global Group Divests Southwestern Montana Insurance Center
PositiveOn September 2, 2026, Reliance Global Group, Inc. and its subsidiary Southwestern Montana Insurance Center, LLC entered into an agreement to sell 100% of SMI’s membership interests and its full book of insurance business and related assets to Scali,...
Reliance Global Adopts One-Year Stockholder Rights Plan
NeutralOn September 2 and 3, 2026, Reliance Global Group’s board adopted a one-year stockholder rights plan and related Series A preferred stock designations, issuing one right per common share to holders of record on September 18, 2026. The rights, exercis...
Reliance Global Pursues New Altruis Asset Sale Agreement
NeutralReliance Global Group, Inc. reported that a non-binding letter of intent signed on July 30, 2026 to sell substantially all operating assets of its Altruis Benefit Consulting subsidiary to a third-party buyer was terminated on August 14, 2026. The ter...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 10, 2026