showing the working

← Reliance Global Group

The business behind the dividend

MeasureEZRAMedianFormula
Return on equity-108.7%10.6%Net income ÷ shareholders’ equity
Return on capital employed-78.2%10.0%Operating income ÷ (equity + total debt)
Owner earnings$-5.67m$120.90mNet income + depreciation & amortisation − capital expenditure
Free cash flow$-3.11m$155.08mOperating cash flow − capital expenditure
Operating margin-72.5%14.3%Operating income ÷ revenue
Net margin-56.2%10.1%Net income ÷ revenue
Debt to equity0.79x0.73xTotal debt ÷ shareholders’ equity
Interest coverOperating income ÷ interest expense
Current ratio1.78x1.55xCurrent assets ÷ current liabilities
Long-term debt to working capital2.17x1.88xLong-term debt ÷ (current assets − current liabilities)
Cash conversionOperating cash flow ÷ net income
Accruals-28.7%-3.1%(Net income − operating cash flow) ÷ total assets

Not computed here: Cash conversion, Interest cover — why a blank is not a zero.

Ten years of it

The same measures, for every year the filings support. One year is a fact; a row is a business.

Measure2025202420232022202120202019Median
Return on equity-108.7%-302.7%-168.0%72.6%-467.7%-168.0%
Return on capital employed-78.2%-54.7%-70.9%-29.4%-41.3%-30.9%-54.7%
Operating margin-72.5%-54.8%-101.1%-55.9%-30.0%-49.7%-69.7%-55.9%
Net margin-56.2%-64.5%-87.5%55.0%-217.3%-50.4%-78.5%-64.5%
Debt to equity0.79x3.69x1.74x1.51x12.42x1.74x
Current ratio1.78x1.12x1.37x0.42x0.18x0.21x0.14x0.42x