Is EZRA or LIFE more undervalued in 2026?

CirclFi compares Reliance Global Group, Inc. (EZRA) and Ethos Technologies Inc. (LIFE) using 13 institutional-grade valuation models. EZRA has a Quality of Company score of 4.0/10 while LIFE scores 7.3/10.

Which is a better buy — EZRA or LIFE?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do EZRA and LIFE valuations compare?

EZRA at $3.69 and LIFE at $19.58 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

EZRA vs LIFE Valuation Comparison 2026 — Intrinsic Value Analysis

EZRA

Insurance Brokers

Reliance Global Group, Inc.

Quality

4.0

out of 10

Value Trap

WARN

Price

$3.69

Last close

Models

7/13

Active

LIFE

Insurance Brokers

Ethos Technologies Inc.

Quality

7.3

out of 10

Value Trap

—

Price

$19.58

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	EZRA Fair Value	EZRA Upside	LIFE Fair Value	LIFE Upside
Bayesian DCF	Intrinsic	—	—	$5.52	-71.8%
Earnings Power Value	Intrinsic	—	—	$8.33	-57.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$6.11	+65.5%	—	—
ML-RIV	Intrinsic	$0.03	-83.1%	$13.44	-31.3%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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EZRA vs LIFE — Which Stock Is More Undervalued?

LIFE scores higher with a 7.3/10 quality rating vs EZRA's 4.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Reliance Global Group, Inc. (EZRA) and Ethos Technologies Inc. (LIFE) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

EZRA currently trades at $3.69 with a QOC of 4.0/10, while LIFE trades at $19.58 with a QOC of 7.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).