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

NYSE:RZB • US7593518027

Current stock price

25 USD
+0.05 (+0.2%)
At close:
25.03 USD
+0.03 (+0.12%)
After Hours:

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

  • In the past year RZB was profitable.
  • RZB had a positive operating cash flow in the past year.
  • In the past 5 years RZB has always been profitable.
  • In the past 5 years RZB always reported a positive cash flow from operatings.
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 Return On Assets of 0.75%. This is in the lower half of the industry: RZB underperforms 64.86% of its industry peers.
  • With a Return On Equity value of 8.78%, RZB perfoms like the industry average, outperforming 41.89% of the companies in the same industry.
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

  • The Profit Margin of RZB (4.99%) is worse than 60.81% of its industry peers.
  • In the last couple of years the Profit Margin of RZB has grown nicely.
  • RZB has a worse Operating Margin (8.63%) than 66.22% of its industry peers.
  • In the last couple of years the Operating Margin of RZB has grown nicely.
Industry RankSector Rank
OM 8.63%
PM (TTM) 4.99%
GM N/A
OM growth 3Y15.53%
OM growth 5Y10.63%
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.
  • The number of shares outstanding for RZB has been reduced compared to 1 year ago.
  • The number of shares outstanding for RZB has been reduced compared to 5 years ago.
  • Compared to 1 year ago, RZB has an improved debt to assets ratio.
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

  • RZB has a debt to FCF ratio of 1.40. This is a very positive value and a sign of high solvency as it would only need 1.40 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.40, RZB is in line with its industry, outperforming 54.73% of the companies in the same industry.
  • RZB has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.42, RZB is not doing good in the industry: 62.16% of the companies in the same industry are doing better.
  • 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
WACC5.98%
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.
  • Measured over the past years, RZB shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.81% on average per year.
  • Looking at the last year, RZB shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
  • Measured over the past years, RZB shows a quite strong growth in Revenue. The Revenue has been growing by 10.15% on average per year.
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

  • Based on estimates for the next years, RZB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.22% on average per year.
  • The Revenue is expected to grow by 9.25% on average over the next years. This is quite good.
EPS Next Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue Next Year11.45%
Revenue Next 2Y8.74%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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

  • A Price/Earnings ratio of 1.02 indicates a rather cheap valuation of RZB.
  • RZB's Price/Earnings ratio is rather cheap when compared to the industry. RZB is cheaper than 95.27% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of RZB to the average of the S&P500 Index (24.88), we can say RZB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 0.95, which indicates a rather cheap valuation of RZB.
  • 95.95% of the companies in the same industry are more expensive than RZB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. RZB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.02
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

4.2 Price Multiples

  • 93.92% 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 cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.4
EV/EBITDA 1.52
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)0.14
PEG (5Y)0.04
EPS Next 2Y8.39%
EPS Next 3Y9.35%

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

5

5. RZB Dividend Analysis

5.1 Amount

  • RZB has a Yearly Dividend Yield of 1.82%.
  • Compared to an average industry Dividend Yield of 2.60, RZB has a dividend in line with its industry peers.
  • RZB's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.82%

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

  • 20.30% 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.
DP20.3%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
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 (3/27/2026, 8:04:00 PM)

After market: 25.03 +0.03 (+0.12%)

25

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.38%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.64B
Revenue(TTM)23.71B
Net Income(TTM)1.18B
Analysts74.29
Price Target28.51 (14.04%)
Short Float %0.08%
Short Ratio0.53
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
DP20.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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)0%
PT rev (3m)-2.33%
EPS NQ rev (1m)1.25%
EPS NQ rev (3m)3.53%
EPS NY rev (1m)1.33%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 1.02
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 1.52
EPS(TTM)24.5
EY98%
EPS(NY)26.34
Fwd EY105.35%
FCF(TTM)62.4
FCFY249.6%
OCF(TTM)62.4
OCFY249.6%
SpS361.61
BVpS205.32
TBVpS205.32
PEG (NY)0.14
PEG (5Y)0.04
Graham Number336.43
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.63%
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 3Y15.53%
OM growth 5Y10.63%
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 2.73
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.02
Cash Conversion 195.93%
Profit Quality 346.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.98%
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 Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year11.45%
Revenue Next 2Y8.74%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%
EBIT growth 1Y58.04%
EBIT growth 3Y30.98%
EBIT growth 5Y21.86%
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.


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 3 / 10.


What are the PE and PB ratios of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) stock?

The Price/Earnings (PE) ratio for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 1.02 and the Price/Book (PB) ratio is 0.12.


Can you provide the financial health for RZB stock?

The financial health rating of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 3 / 10.