REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - NYSE:RZB - US7593518027
24.92 USD
+0.01 (+0.04%)
We assign a fundamental rating of 4 out of 10 to RZB. RZB was compared to 147 industry peers in the Insurance industry. RZB may be in some trouble as it scores bad on both profitability and health. RZB may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
RZB had positive earnings in the past year.
In the past year RZB had a positive cash flow from operations.
In the past 5 years RZB has always been profitable.
In the past 5 years RZB always reported a positive cash flow from operatings.
1.2 Ratios
RZB's Return On Assets of 0.57% is on the low side compared to the rest of the industry. RZB is outperformed by 67.81% of its industry peers.
The Return On Equity of RZB (6.68%) is worse than 70.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| 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
The Profit Margin of RZB (3.89%) is worse than 70.55% of its industry peers.
RZB's Profit Margin has declined in the last couple of years.
RZB has a worse Operating Margin (7.39%) than 67.12% of its industry peers.
In the last couple of years the Operating Margin of RZB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| 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.
RZB has a better debt/assets ratio than last year.
2.2 Solvency
RZB has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.18, RZB is doing good in the industry, outperforming 67.12% of the companies in the same industry.
A Debt/Equity ratio of 0.44 indicates that RZB is not too dependend on debt financing.
RZB's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. RZB is outperformed by 62.33% 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 | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.6%
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 -2.77% 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.
Looking at the last year, RZB shows a small growth in Revenue. The Revenue has grown by 2.01% in the last year.
RZB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
EPS 1Y (TTM)-2.77%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%3.92%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
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 8.11% yearly.
RZB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.50% yearly.
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.15, 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 94.52% of the companies in the same industry.
When comparing the Price/Earnings ratio of RZB to the average of the S&P500 Index (25.89), we can say RZB is valued rather cheaply.
With a Price/Forward Earnings ratio of 0.96, the valuation of RZB can be described as very cheap.
96.58% of the companies in the same industry are more expensive than RZB, based on the Price/Forward Earnings ratio.
RZB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 94.52% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RZB is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.63 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.25%
EPS Next 3Y7.95%
5. Dividend
5.1 Amount
RZB has a Yearly Dividend Yield of 1.95%.
RZB's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to the average S&P500 Dividend Yield of 2.44, RZB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
5.2 History
On average, the dividend of RZB grows each year by 6.13%, which is quite nice.
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
27.34% of the earnings are spent on dividend by RZB. This is a low number and sustainable payout ratio.
RZB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.34%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (11/14/2025, 8:24:56 PM)
24.92
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.9%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.67
Price Target31.54 (26.57%)
Short Float %0.29%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.58%
Min EPS beat(2)-16.11%
Max EPS beat(2)8.95%
EPS beat(4)2
Avg EPS beat(4)-1.96%
Min EPS beat(4)-16.11%
Max EPS beat(4)8.95%
EPS beat(8)6
Avg EPS beat(8)6.13%
EPS beat(12)9
Avg EPS beat(12)9.49%
EPS beat(16)12
Avg EPS beat(16)19.04%
Revenue beat(2)1
Avg Revenue beat(2)0.71%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)3.8%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)5.03%
Revenue beat(12)7
Avg Revenue beat(12)4.65%
Revenue beat(16)9
Avg Revenue beat(16)3.59%
PT rev (1m)1.46%
PT rev (3m)-6.4%
EPS NQ rev (1m)1.81%
EPS NQ rev (3m)1.63%
EPS NY rev (1m)-2.17%
EPS NY rev (3m)-6.54%
Revenue NQ rev (1m)1.72%
Revenue NQ rev (3m)1.61%
Revenue NY rev (1m)1.64%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 | ||
| P/S | 0.07 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.63 |
EPS(TTM)21.74
EY87.24%
EPS(NY)26.02
Fwd EY104.4%
FCF(TTM)73.22
FCFY293.81%
OCF(TTM)73.22
OCFY293.81%
SpS337.62
BVpS196.37
TBVpS196.37
PEG (NY)N/A
PEG (5Y)0.1
Graham Number309.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| GM | N/A | ||
| FCFM | 21.69% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Debt/EBITDA | 3.38 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.49 | ||
| Cash Conversion | 285.49% | ||
| Profit Quality | 558.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.6%
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)-2.77%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%3.92%
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
EBIT growth 1Y32.98%
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 1Y58.24%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y56.91%
OCF growth 3Y30.85%
OCF growth 5Y32.35%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 / RZB FAQ
What is the fundamental rating for RZB stock?
ChartMill assigns a fundamental rating of 4 / 10 to RZB.
What is the valuation status for RZB stock?
ChartMill assigns a valuation rating of 7 / 10 to REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB). This can be considered as Undervalued.
Can you provide the profitability details for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56?
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) has a profitability rating of 2 / 10.
What is the valuation of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 1.15 and the Price/Book (PB) ratio is 0.13.
What is the earnings growth outlook for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56?
The Earnings per Share (EPS) of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is expected to decline by -3.8% in the next year.