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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Reliance Global Group's Debt-to-EBITDA or its related term are showing as below:
EZRA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -7.23 Med: -2.41 Max: 0.7
Current: -1.24
During the past 12 years, the highest Debt-to-EBITDA Ratio of Reliance Global Group was 0.70. The lowest was -7.23. And the median was -2.41.
EZRA's Debt-to-EBITDA is ranked worse than 100% of 319
companies
in the Insurance industry
Industry Median: 1.26
vs EZRA: -1.24
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Reliance Global Group Debt-to-EBITDA Related Terms
Reliance Global Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Reliance Global Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
EZRA vs TIRXF, GOCOQ, ZBAO: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Reliance Global Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Reliance Global Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Reliance Global Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Reliance Global Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Reliance Global Group (EZRA) has a Debt-to-EBITDA of -0.80 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Reliance Global Group. According to the industry distribution chart, Reliance Global Group ranks #999999 out of 319 companies in the Insurance industry.
Is Reliance Global Group's Debt-to-EBITDA too high?
Reliance Global Group's current Debt-to-EBITDA is -0.80. Based on the distribution chart, Reliance Global Group ranks #999999 out of 319 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Reliance Global Group has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Reliance Global Group's Debt-to-EBITDA compare to TIRXF and GOCOQ?
According to the Insurance industry distribution chart, Reliance Global Group ranks #999999 out of 319 companies for Debt-to-EBITDA. This places Reliance Global Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.26. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.26, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Reliance Global Group. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Reliance Global Group's current Debt-to-EBITDA is -0.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reliance Global Group stock overvalued right now?
Based on GuruFocus' analysis, Reliance Global Group (EZRA) is currently considered Modestly Undervalued. The stock's GF Value™ is $3.14, compared to a current price of $2.31 — trading 26.4% below its estimated fair value. The current Debt-to-EBITDA is -0.80. Reliance Global Group's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Reliance Global Group (EZRA), the current Debt-to-EBITDA is -0.80 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Reliance Global Group (EZRA) Overvalued in 2026?
Based on GuruFocus' analysis, Reliance Global Group stock appears to be undervalued.
The current stock price of $2.31 is trading 26.4% below its estimated GF Value™ of $3.14.
GuruFocus considers Reliance Global Group to be Modestly Undervalued.
Key valuation signals for EZRA:
Debt-to-EBITDA: -0.80
GF Value™: $3.14 vs. price of $2.31 (26.4% below fair value)
No single metric tells the full story. See the EZRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Reliance Global Group Inc operates as a holding company that acquires, owns, and actively manages insurance and technology-focused businesses. The company focuses on growing by pursuing acquisition strategies initially, and focuses on wholesale and retail insurance agencies. Its primary move is to identify specific risks to reward arbitrage opportunities and develop these on a national platform, thereby increasing revenues and returns, and then identify and acquire undervalued wholesale and retail insurance agencies with operations in growing or underserved segments, expand and optimize their operations. The Company operates as a single operating segment, the Insurance Segment, earning its revenues from insurance commissions.
44GF Score
Get the complete analysis for EZRA
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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