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Reliance Global Group Inc. (EZRA) — RQD Stock Rating Cockpit

$2.21 +1.38% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.21

Reliance Global Group Inc. (EZRA) carries a Roarable Rating of D- (Sell) with 39/100 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.

📊 Historical Track Record Warning: Scores below 50 (39/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $3.7M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.21 (+0.06%)🧬 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 (39/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.6% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

2-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 D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-8.6% Base Target

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

Deterministic 5-Pillar Attribution (39/100 Composite)

🔍 WHY EZRA SCORES 39/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (33% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 40.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (31% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

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

Q1 (-3Q)

Grade E$1.95+16.9% Next Q

Q2 (-2Q)

Grade E$2.28-4.4% Next Q

Q3 (-1Q)

Grade E$2.18+1.4% Next Q

Current

Grade D-$2.21-7.6% Hist 90D α

Trajectory: E (31) → D- (39)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 39/100 (D-) rating due to Cash Engine Quality (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 ($2.52) and Max Pain ($2.32) 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 39%NO 61%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

40.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $2$2.21H: $40

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 3 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on EZRA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (15)

-35.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (25)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (52)

18/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like EZRA

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

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

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EZRA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -67.50%⚡ TESTING RESISTANCE

2026-10-30O $2.11H $2.21L $2.05C $2.21VOL 24.5K

RES: $2.45SUP: $1.70SMA50: $2.52SMA200: $5.28

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #1002 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Reliance Global Group Inc. (EZRA) ranks #1002 by composite RQD confidence (39/100, grade D-) and #1086 by equity capitalization ($3.7M). 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 68/100 (C+) compared with EZRA at 39/100 (D-).

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.	D-	39/100	—	—	-35.0%	+1.38%	$3.7M	Benchmark Subject
ZBAO Zhibao Technology Inc. (Class A)	D-	36/100	—	—	-35.0%	-8.19%	$2.7M	/zbao-vs-ezra →
EHTH eHealth Inc.	D	49/100	—	—	8.3%	-9.88%	$16.7M	/ehth-vs-ezra →
CCG Cheche Group Inc. (Class A)	D	47/100	—	—	—	-4.33%	$18.8M	/ccg-vs-ezra →
HUIZ Huize Holding Limited	C+	68/100	39.0x	—	3.1%	+6.19%	$22.5M	/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?

As of 2026-11-01, Reliance Global Group Inc. (NASDAQ: EZRA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $2.21 (+1.38% 1D, market cap $3.7M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 6/20. Across 1096 tracked Financials issuers, EZRA ranks #1002 in composite RQD confidence.

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

Within the Financials sector (Specialty Insurers), EZRA carries a Roarable D- (39/100 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 D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $2.7M) and EHTH (eHealth Inc.) posts a D grade (49/100 RQD, P/E N/A, ROIC 8.3%, cap $16.7M). Among the 5-stock peer group, HUIZ leads on earnings multiple (39.0x) while EHTH leads on capital efficiency (8.3% ROIC).

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

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.

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

EZRA last traded at $2.21 (+1.38% on volume of 12,927 shares), positioning the stock -12.30% below its 50-day simple moving average ($2.52) and -58.14% below its 200-day simple moving average ($5.28). Across its 52-week range of $1.75 to $40.00, EZRA sits at the 1.2% percentile with a 14-day RSI of 40.3 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.93 to $2.49).

EZRA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell EZRA stock right now?

Reliance Global Group Inc. (EZRA) currently earns a Roarable Rating of D- (Sell — SELL) with 39/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is EZRA's 12-month price target and RQD AI Jury consensus?

EZRA's 12-month base price target is $2.02 (range $1.58 to $42), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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