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3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Reliance Global Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 7.99%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Reliance Global Group's 3-Year ROIIC % or its related term are showing as below:
EZRA's 3-Year ROIIC % is ranked better than 58.98% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs EZRA: 7.99
Reliance Global Group (NAS:EZRA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Reliance Global Group 3-Year ROIIC % Related Terms
Reliance Global Group 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Reliance Global Group's 3-Year ROIIC % 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, MRSH: 3-Year ROIIC % Comparison
For the Insurance Brokers subindustry, Reliance Global Group's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Reliance Global Group's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Reliance Global Group's 3-Year ROIIC % falls into.
Reliance Global Group's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -9.013 (Dec. 2025) - -6.58 (Dec. 2022) )
/
( 11.495 (Dec. 2025) - 41.953 (Dec. 2022) )
=
-2.433
/
-30.458
=
7.99%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Reliance Global Group (EZRA) has a 3-Year ROIIC % of 7.99 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Reliance Global Group and its competitors. According to the industry distribution chart, Reliance Global Group ranks #137 out of 334 companies in the Insurance industry, placing it in the top 41%.
Is Reliance Global Group's 3-Year ROIIC % too high?
Reliance Global Group's current 3-Year ROIIC % is 7.99. The Insurance industry median 3-Year ROIIC % is 5.28. Reliance Global Group's value of 7.99 is 51.5% above this industry median. Based on the distribution chart, Reliance Global Group ranks #137 out of 334 companies in the Insurance industry, which is above the industry midpoint. Overall, Reliance Global Group has a GF Score™ of 36/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Reliance Global Group's 3-Year ROIIC % compare to TIRXF and GOCOQ?
According to the Insurance industry distribution chart, Reliance Global Group ranks #137 out of 334 companies for 3-Year ROIIC %. This puts Reliance Global Group in the upper half of its industry. The industry median 3-Year ROIIC % is 5.28. Reliance Global Group's value of 7.99 is 51.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.28, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Reliance Global Group's current 3-Year ROIIC % of 7.99 is 51.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Reliance Global Group and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Reliance Global Group's current 3-Year ROIIC % is 7.99. 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 Possible Value Trap. The stock's GF Value™ is $6.40, compared to a current price of $2.22 — trading 65.3% below its estimated fair value. The current 3-Year ROIIC % is 7.99 and 51.5% above the Insurance industry median of 5.28. Reliance Global Group's overall GF Score™ is 36/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Reliance Global Group (EZRA), the current 3-Year ROIIC % is 7.99 as of Dec. 2025. 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 $2.22 is trading 65.3% below its estimated GF Value™ of $6.40.
GuruFocus considers Reliance Global Group to be Possible Value Trap.
Key valuation signals for EZRA:
3-Year ROIIC %: 7.99
GF Value™: $6.40 vs. price of $2.22 (65.3% below fair value)
Industry Position: 51.5% above the Insurance median (#137 of 334)
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.
36GF Score
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