WallStSmart

Marsh & McLennan Companies, Inc. (MRSH)vsReliance Global Group Inc (RELI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies, Inc. generates 205611% more annual revenue ($26.98B vs $13.12M). MRSH leads profitability with a 15.4% profit margin vs -53.4%. RELI trades at a lower P/E of 3.8x. MRSH earns a higher WallStSmart Score of 64/100 (C+).

MRSH

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 8.5Value: 7.3Quality: 5.0

RELI

Avoid

31

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MRSHSignificantly Overvalued (-28.9%)

Margin of Safety

-28.9%

Fair Value

$134.21

Current Price

$174.20

$39.99 premium

UndervaluedFair: $134.21Overvalued
RELIUndervalued (+44.7%)

Margin of Safety

+44.7%

Fair Value

$0.75

Current Price

$0.41

$0.34 discount

UndervaluedFair: $0.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MRSH4 strengths · Avg: 8.5/10
Market CapQuality
$85.18B9/10

Large-cap with strong market position

Return on EquityProfitability
29.3%9/10

Every $100 of equity generates 29 in profit

Operating MarginProfitability
25.4%8/10

Strong operational efficiency at 25.4%

Free Cash FlowQuality
$2.06B8/10

Generating 2.1B in free cash flow

RELI2 strengths · Avg: 10.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Areas to Watch

MRSH1 concerns · Avg: 4.0/10
PEG RatioValuation
1.714/10

Expensive relative to growth rate

RELI4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$4.09M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-146.4%2/10

ROE of -146.4% — below average capital efficiency

Revenue GrowthGrowth
-27.5%2/10

Revenue declined 27.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 15.4% and operating margin at 25.4%.

Bull Case : RELI

The strongest argument for RELI centers on P/E Ratio, Price/Book.

Bear Case : MRSH

The primary concerns for MRSH are PEG Ratio.

Bear Case : RELI

The primary concerns for RELI are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

MRSH profiles as a mature stock while RELI is a turnaround play — different risk/reward profiles.

MRSH carries more volatility with a beta of 0.73 — expect wider price swings.

MRSH is growing revenue faster at 8.7% — sustainability is the question.

MRSH generates stronger free cash flow (2.1B), providing more financial flexibility.

Bottom Line

MRSH scores higher overall (64/100 vs 31/100), backed by strong 15.4% margins. RELI offers better value entry with a 44.7% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

Reliance Global Group Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Reliance Global Group, Inc. is engaged in the acquisition and management of wholesale and retail insurance agencies in the United States. The company is headquartered in Lakewood, New Jersey.

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