REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Fundamental Analysis & Valuation

NYSE:RZB • US7593518027

Current stock price

25.21 USD
+0.04 (+0.16%)
Last:

This RZB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. RZB Profitability Analysis

1.1 Basic Checks

  • RZB had positive earnings in the past year.
  • RZB had a positive operating cash flow in the past year.
  • In the past 5 years RZB has always been profitable.
  • RZB had a positive operating cash flow in each of the past 5 years.
RZB Yearly Net Income VS EBIT VS OCF VS FCFRZB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • RZB has a worse Return On Assets (0.75%) than 65.99% of its industry peers.
  • RZB has a Return On Equity of 8.78%. This is comparable to the rest of the industry: RZB outperforms 40.14% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
RZB Yearly ROA, ROE, ROICRZB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • RZB has a worse Profit Margin (4.99%) than 63.27% of its industry peers.
  • In the last couple of years the Profit Margin of RZB has grown nicely.
  • RZB has a Operating Margin of 8.78%. This is in the lower half of the industry: RZB underperforms 63.27% of its industry peers.
  • In the last couple of years the Operating Margin of RZB has grown nicely.
Industry RankSector Rank
OM 8.78%
PM (TTM) 4.99%
GM N/A
OM growth 3Y16.29%
OM growth 5Y11.07%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
RZB Yearly Profit, Operating, Gross MarginsRZB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RZB Health Analysis

2.1 Basic Checks

  • RZB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, RZB has less shares outstanding
  • Compared to 5 years ago, RZB has less shares outstanding
  • RZB has a better debt/assets ratio than last year.
RZB Yearly Shares OutstandingRZB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
RZB Yearly Total Debt VS Total AssetsRZB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of RZB is 1.40, which is an excellent value as it means it would take RZB, only 1.40 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of RZB (1.40) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.42 indicates that RZB is not too dependend on debt financing.
  • RZB's Debt to Equity ratio of 0.42 is on the low side compared to the rest of the industry. RZB is outperformed by 62.59% of its industry peers.
  • Although RZB's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Altman-Z N/A
ROIC/WACCN/A
WACC5.76%
RZB Yearly LT Debt VS Equity VS FCFRZB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RZB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.31% over the past year.
  • RZB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.81% yearly.
  • The Revenue has been growing slightly by 7.16% in the past year.
  • The Revenue has been growing by 10.15% on average over the past years. This is quite good.
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%

3.2 Future

  • RZB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.53% yearly.
  • RZB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.25% yearly.
EPS Next Y8.38%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
EPS Next 5Y10.53%
Revenue Next Year11.31%
Revenue Next 2Y8.68%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
RZB Yearly Revenue VS EstimatesRZB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
RZB Yearly EPS VS EstimatesRZB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30

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8

4. RZB Valuation Analysis

4.1 Price/Earnings Ratio

  • RZB is valuated cheaply with a Price/Earnings ratio of 1.03.
  • 94.56% of the companies in the same industry are more expensive than RZB, based on the Price/Earnings ratio.
  • RZB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.
  • A Price/Forward Earnings ratio of 0.95 indicates a rather cheap valuation of RZB.
  • Based on the Price/Forward Earnings ratio, RZB is valued cheaper than 95.92% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, RZB is valued rather cheaply.
Industry RankSector Rank
PE 1.03
Fwd PE 0.95
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • RZB's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RZB is cheaper than 95.24% of the companies in the same industry.
  • 99.32% of the companies in the same industry are more expensive than RZB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.4
EV/EBITDA 1.5
RZB Per share dataRZB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.12
PEG (5Y)0.04
EPS Next 2Y8.77%
EPS Next 3Y9.48%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. RZB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.77%, RZB has a reasonable but not impressive dividend return.
  • RZB's Dividend Yield is comparable with the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.82, RZB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.77%

5.2 History

  • The dividend of RZB has a limited annual growth rate of 5.63%.
  • RZB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)5.63%
Div Incr Years0
Div Non Decr Years0
RZB Yearly Dividends per shareRZB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • RZB pays out 20.30% 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.
DP20.3%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
RZB Yearly Income VS Free CF VS DividendRZB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
RZB Dividend Payout.RZB Dividend Payout, showing the Payout Ratio.RZB Dividend Payout.PayoutRetained Earnings

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RZB Fundamentals: All Metrics, Ratios and Statistics

REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56

NYSE:RZB (4/30/2026, 3:52:17 PM)

25.21

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength45.96
Industry Growth80.75
Earnings (Last)02-05
Earnings (Next)05-07
Inst Owners99.25%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)23.71B
Net Income(TTM)1.18B
Analysts74.29
Price Target31.07 (23.24%)
Short Float %0.03%
Short Ratio0.35
Dividend
Industry RankSector Rank
Dividend Yield 1.77%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
DP20.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.22%
Min EPS beat(2)8.95%
Max EPS beat(2)33.5%
EPS beat(4)3
Avg EPS beat(4)7.94%
Min EPS beat(4)-16.11%
Max EPS beat(4)33.5%
EPS beat(8)6
Avg EPS beat(8)9.7%
EPS beat(12)10
Avg EPS beat(12)14%
EPS beat(16)13
Avg EPS beat(16)31.89%
Revenue beat(2)2
Avg Revenue beat(2)3.73%
Min Revenue beat(2)3.67%
Max Revenue beat(2)3.8%
Revenue beat(4)2
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)4.4%
Revenue beat(12)7
Avg Revenue beat(12)4.81%
Revenue beat(16)9
Avg Revenue beat(16)3.48%
PT rev (1m)8.97%
PT rev (3m)4.23%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)3.89%
EPS NY rev (1m)0.83%
EPS NY rev (3m)2.35%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)1.73%
Valuation
Industry RankSector Rank
PE 1.03
Fwd PE 0.95
P/S 0.07
P/FCF 0.4
P/OCF 0.4
P/B 0.12
P/tB 0.12
EV/EBITDA 1.5
EPS(TTM)24.5
EY97.18%
EPS(NY)26.55
Fwd EY105.33%
FCF(TTM)62.45
FCFY247.71%
OCF(TTM)62.45
OCFY247.71%
SpS361.88
BVpS205.48
TBVpS205.48
PEG (NY)0.12
PEG (5Y)0.04
Graham Number336.557 (1235.01%)
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.78%
PM (TTM) 4.99%
GM N/A
FCFM 17.26%
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y16.29%
OM growth 5Y11.07%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Debt/EBITDA 2.69
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.16
Cash Conversion 192.61%
Profit Quality 346.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.76%
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)700.43%
Profit Quality(5y)542.41%
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y8.38%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
EPS Next 5Y10.53%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year11.31%
Revenue Next 2Y8.68%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%
EBIT growth 1Y60.82%
EBIT growth 3Y31.85%
EBIT growth 5Y22.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-56.34%
FCF growth 3Y45.87%
FCF growth 5Y4.43%
OCF growth 1Y-56.34%
OCF growth 3Y44.96%
OCF growth 5Y4.25%

REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 / RZB Fundamental Analysis FAQ

What is the fundamental rating for RZB stock?

ChartMill assigns a fundamental rating of 5 / 10 to RZB.


What is the valuation status of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) stock?

ChartMill assigns a valuation rating of 8 / 10 to REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB). This can be considered as Undervalued.


What is the profitability of RZB stock?

REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for RZB stock?

The Earnings per Share (EPS) of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is expected to grow by 8.38% in the next year.


How sustainable is the dividend of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) stock?

The dividend rating of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 5 / 10 and the dividend payout ratio is 20.3%.