WallStSmart

Marsh & McLennan Companies Inc (MMC)vsReliance Global Group Inc (RELI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 201585% more annual revenue ($26.45B vs $13.12M). MMC leads profitability with a 15.6% profit margin vs -53.4%. RELI trades at a lower P/E of 3.8x. MMC earns a higher WallStSmart Score of 62/100 (C+).

MMC

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 8.0Value: 7.3Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

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

MMCSignificantly Overvalued (-222.6%)

Margin of Safety

-222.6%

Fair Value

$56.64

Current Price

$182.70

$126.06 premium

UndervaluedFair: $56.64Overvalued
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

MMC3 strengths · Avg: 8.7/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Return on EquityProfitability
28.7%9/10

Every $100 of equity generates 29 in profit

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B 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

MMC4 concerns · Avg: 3.8/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : MMC

The strongest argument for MMC centers on Market Cap, Return on Equity, Free Cash Flow. Profitability is solid with margins at 15.6% and operating margin at 19.2%. Revenue growth of 11.5% demonstrates continued momentum.

Bull Case : RELI

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

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : RELI

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

Key Dynamics to Monitor

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

MMC carries more volatility with a beta of 0.75 — expect wider price swings.

MMC is growing revenue faster at 11.5% — sustainability is the question.

MMC generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

MMC scores higher overall (62/100 vs 31/100), backed by strong 15.6% margins and 11.5% revenue growth. 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 (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

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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