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Reliance Global Group cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$1.7M in Q2 2026 · −$4.7M over twelve months

Operating cash flow−$1.7M
Free cash flow−$1.7M

Analysis

In Q2 2026, Reliance Global Group generated −$1.7M of operating cash flow. That is $804K less than in Q2 2025 (−$857K).

Over the twelve months to Jun 30, 2026, operating cash flow was −$4.7M; the largest uses were operating cash flow ($4.7M), other financing ($825K), net borrowing (+) / repaid (−) ($192K); besides operations, cash came from other investing ($4.1M); the cash balance fell by $1.6M.

Operating cash flow was −$1.7M against net income of −$2.0M. The largest differences: depreciation & amortization +$253K, prepaid and other assets −$121K, receivables −$76K.

Free cash flow

Reliance Global Group: free cash flow by quarterReliance Global Group: free cash flow by quarter−$762KQ3 2024−$872KQ4 2024$193KQ1 2025−$857KQ2 2025−$821KQ3 2025−$1.6MQ4 2025−$571KQ1 2026−$1.7MQ2 2026
Operating cash flow less capital spending.
Reliance Global Group: operating cash flow against capital spendingReliance Global Group: operating cash flow against capital spendingOperating cash flowCapital spending−$758K$4KQ3 2024−$867K$5KQ4 2024$198K$5KQ1 2025−$853K$4KQ2 2025−$814K$6KQ3 2025−$1.6M$0Q4 2025−$571K$0Q1 2026−$1.7M$0Q2 2026
Latest (Q2 2026): Operating cash flow −$1.7M, Capital spending $0.

Capital allocation, year by year

Reliance Global Group: where the cash came from (up) and went (down), by fiscal yearReliance Global Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsDividendsFY2021: Operating cash flow −$2.3MFY2021: Net borrowing −$1.4MFY2021: Shares issued $10.5MFY2021: Capital spending −$71KFY2021: Acquisitions −$1.6M$10.5MFY2021FY2022: Operating cash flow −$3.2MFY2022: Net borrowing $315KFY2022: Shares issued $2KFY2022: Capital spending −$71KFY2022: Acquisitions −$24.1M$317KFY2022FY2023: Operating cash flow −$848KFY2023: Shares issued $1.0MFY2023: Capital spending −$23K$1.0MFY2023FY2024: Operating cash flow −$2.5MFY2024: Net borrowing −$1.4MFY2024: Shares issued $3.7MFY2024: Capital spending −$24K$3.7MFY2024FY2025: Operating cash flow −$3.1MFY2025: Net borrowing −$5.2MFY2025: Shares issued $2.2MFY2025: Asset sales $5.5MFY2025: Capital spending −$16KFY2025: Dividends −$388K$7.7MFY2025
Over these 5 years operating cash flow totalled −$11.9M; the largest uses were acquisitions ($25.7M) and operating cash flow ($11.9M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$844K
Debt$4.5M
Net debt$3.6M
Due within a year$1.0M
Cash runway2 months

Reliance Global Group is burning cash: its operations consume cash, a free cash flow of −$4.7M a year at the current rate against $844K of cash and investments: a runway of about 2 months; $1.0M of debt also comes due within a year, which would need refinancing or new money before any new financing.

Reliance Global Group: debt maturities by year (FY2025)Reliance Global Group: debt maturities by year (FY2025)$1.0MYear 1$624KYear 2$684KYear 3$752KYear 4$826KYear 5$1.3MAfter year 5
Principal due in each year as disclosed in the annual report, against $844K of cash and investments now.

Where the cash came from and went

Reliance Global Group: sources (+) and uses (−) of cash, Q2 2026Reliance Global Group: sources (+) and uses (−) of cash, Q2 2026Operating cash flow−$1.7MCash drawn (+) / kept (−)$1.4MOther financing$984KOther investing−$734KShares issued−$18K
Reliance Global Group: sources (+) and uses (−) of cash, TTM to Q2 2026Reliance Global Group: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow−$4.7MOther investing$4.1MCash drawn (+) / kept (−)$1.6MOther financing−$825KNet borrowing (+) / repaid (−)−$192KCapital spending−$11K

From profit to cash

Reliance Global Group: net income to operating cash flow, Q2 2026Reliance Global Group: net income to operating cash flow, Q2 2026Net income−$2.0MDepreciation & amortization$253KStock-based pay$16KOther non-cash−$2KReceivables−$76KPrepaid and other assets−$121KOperating cash flow−$1.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026−$1.7M———−$18K$1.4M−$1.7M
Q1 2026−$571K—−$131K−$657K$2.5M−$504K−$571K
Q4 2025−$1.6M——$349K$139K$772K−$1.6M
Q3 2025−$814K−$6K—−$5.1M—−$128K−$821K
Q2 2025−$853K−$4K—−$435K—−$1.6M−$857K
Q1 2025$198K−$5K—−$436K—−$14K$193K
Q4 2024−$867K−$5K—−$418K$889K$556K−$872K
Q3 2024−$758K−$4K—−$349K$756K$462K−$762K

Reliance Global Group: income statement and cash flow

Reliance Global Group, Q2 2026: revenue $2.1M (-32% year over year), operating margin -86.4%. The chart follows the revenue to costs, profit and cash.

Reliance Global Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.