REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - NYSE:RZB - US7593518027
24.92 USD
-0.06 (-0.24%)
Overall RZB gets a fundamental rating of 4 out of 10. We evaluated RZB against 146 industry peers in the Insurance industry. RZB has a bad profitability rating. Also its financial health evaluation is rather negative. RZB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year RZB was profitable.
In the past year RZB had a positive cash flow from operations.
Each year in the past 5 years RZB has been profitable.
In the past 5 years RZB always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of RZB (0.58%) is worse than 64.38% of its industry peers.
RZB has a worse Return On Equity (6.39%) than 66.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 6.39% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.78%
ROE(3y)7.95%
ROE(5y)7.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RZB's Profit Margin of 3.54% is on the low side compared to the rest of the industry. RZB is outperformed by 68.49% of its industry peers.
In the last couple of years the Profit Margin of RZB has declined.
With a Operating Margin value of 6.90%, RZB is not doing good in the industry: 66.44% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of RZB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.9% | ||
| PM (TTM) | 3.54% | ||
| GM | N/A |
OM growth 3Y-10.39%
OM growth 5Y-9.28%
PM growth 3Y-23.03%
PM growth 5Y-11.78%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RZB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RZB has been increased compared to 1 year ago.
The number of shares outstanding for RZB has been increased compared to 5 years ago.
Compared to 1 year ago, RZB has an improved debt to assets ratio.
2.2 Solvency
RZB has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.17, RZB is in the better half of the industry, outperforming 61.64% of the companies in the same industry.
RZB has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
RZB's Debt to Equity ratio of 0.48 is on the low side compared to the rest of the industry. RZB is outperformed by 64.38% of its industry peers.
Although RZB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RZB have decreased by -1.38% in the last year.
RZB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
RZB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.87%.
The Revenue has been growing by 9.06% on average over the past years. This is quite good.
EPS 1Y (TTM)-1.38%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-13.87%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
3.2 Future
Based on estimates for the next years, RZB will show a small growth in Earnings Per Share. The EPS will grow by 7.67% on average per year.
RZB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.55% yearly.
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue Next Year1.14%
Revenue Next 2Y5.58%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.16, which indicates a rather cheap valuation of RZB.
RZB's Price/Earnings ratio is rather cheap when compared to the industry. RZB is cheaper than 95.89% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, RZB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.97, the valuation of RZB can be described as very cheap.
RZB's Price/Forward Earnings ratio is rather cheap when compared to the industry. RZB is cheaper than 96.58% of the companies in the same industry.
RZB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.16 | ||
| Fwd PE | 0.97 |
4.2 Price Multiples
97.95% of the companies in the same industry are more expensive than RZB, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, RZB is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.27 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y6.66%
EPS Next 3Y7.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.91%, RZB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.43, RZB has a dividend in line with its industry peers.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
The dividend of RZB is nicely growing with an annual growth rate of 6.13%!
RZB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)6.13%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RZB pays out 30.52% of its income as dividend. This is a sustainable payout ratio.
The dividend of RZB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.52%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (9/17/2025, 1:33:35 PM)
24.92
-0.06 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners100.3%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.65B
Analysts77.33
Price Target30.6 (22.79%)
Short Float %0.3%
Short Ratio3.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP30.52%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.34%
Min EPS beat(2)-16.11%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-0.61%
Min EPS beat(4)-16.11%
Max EPS beat(4)14.34%
EPS beat(8)6
Avg EPS beat(8)8.64%
EPS beat(12)9
Avg EPS beat(12)14.73%
EPS beat(16)11
Avg EPS beat(16)9.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.37%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-2.37%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.73%
Revenue beat(12)7
Avg Revenue beat(12)4.39%
Revenue beat(16)9
Avg Revenue beat(16)3.66%
PT rev (1m)-9.21%
PT rev (3m)2.36%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)-2.17%
EPS NY rev (1m)-4.07%
EPS NY rev (3m)-4.38%
Revenue NQ rev (1m)-0.69%
Revenue NQ rev (3m)-2.35%
Revenue NY rev (1m)-1.26%
Revenue NY rev (3m)-0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.16 | ||
| Fwd PE | 0.97 | ||
| P/S | 0.08 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)21.5
EY86.28%
EPS(NY)25.73
Fwd EY103.26%
FCF(TTM)74.38
FCFY298.49%
OCF(TTM)74.38
OCFY298.49%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 6.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 6.9% | ||
| PM (TTM) | 3.54% | ||
| GM | N/A | ||
| FCFM | 22.59% |
ROA(3y)0.71%
ROA(5y)0.78%
ROE(3y)7.95%
ROE(5y)7.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-10.39%
OM growth 5Y-9.28%
PM growth 3Y-23.03%
PM growth 5Y-11.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 3.71 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.67 | ||
| Cash Conversion | 317.78% | ||
| Profit Quality | 638.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)670.03%
Profit Quality(5y)631.93%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.38%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-13.87%
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year1.14%
Revenue Next 2Y5.58%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%
EBIT growth 1Y8.69%
EBIT growth 3Y-1.11%
EBIT growth 5Y-1.06%
EBIT Next Year-6.91%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y69.87%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y68.41%
OCF growth 3Y30.85%
OCF growth 5Y32.35%