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

NYSE:RZB - New York Stock Exchange, Inc. - US7593518027 - Currency: USD

24.8907  -0.02 (-0.08%)

Fundamental Rating

4

RZB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 145 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


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RZB had positive earnings in the past year.
RZB had a positive operating cash flow in the past year.
RZB had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

RZB has a Return On Assets of 0.62%. This is in the lower half of the industry: RZB underperforms 64.14% of its industry peers.
RZB has a worse Return On Equity (6.95%) than 66.90% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 6.95%
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
RZB Yearly ROA, ROE, ROICRZB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

RZB's Profit Margin of 3.77% is on the low side compared to the rest of the industry. RZB is outperformed by 66.90% of its industry peers.
RZB's Profit Margin has declined in the last couple of years.
RZB has a Operating Margin of 6.57%. This is in the lower half of the industry: RZB underperforms 64.83% of its industry peers.
In the last couple of years the Operating Margin of RZB has declined.
Industry RankSector Rank
OM 6.57%
PM (TTM) 3.77%
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
RZB Yearly Profit, Operating, Gross MarginsRZB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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3

2. Health

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 more shares outstanding
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.
RZB Yearly Shares OutstandingRZB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RZB Yearly Total Debt VS Total AssetsRZB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of RZB is 1.13, which is an excellent value as it means it would take RZB, only 1.13 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RZB (1.13) is better than 62.76% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that RZB is somewhat dependend on debt financing.
The Debt to Equity ratio of RZB (0.50) is worse than 63.45% 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 RankSector Rank
Debt/Equity 0.5
Debt/FCF 1.13
Altman-Z N/A
ROIC/WACCN/A
WACC5.87%
RZB Yearly LT Debt VS Equity VS FCFRZB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.3 Liquidity

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

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5

3. Growth

3.1 Past

RZB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.43%.
RZB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
The Revenue has been growing slightly by 2.11% in the past 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)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%

3.2 Future

The Earnings Per Share is expected to grow by 8.90% on average over the next years. This is quite good.
RZB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
Revenue Next 5Y7.79%

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 stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
RZB Yearly Revenue VS EstimatesRZB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
RZB Yearly EPS VS EstimatesRZB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.12, the valuation of RZB can be described as very cheap.
Based on the Price/Earnings ratio, RZB is valued cheaply inside the industry as 94.48% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.51, RZB is valued rather cheaply.
RZB is valuated cheaply with a Price/Forward Earnings ratio of 0.96.
95.17% of the companies in the same industry are more expensive than RZB, based on the Price/Forward Earnings ratio.
RZB is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.58, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.12
Fwd PE 0.96
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaper than 96.55% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RZB is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.32
EV/EBITDA 1.56
RZB Per share dataRZB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

RZB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.38
PEG (5Y)0.1
EPS Next 2Y6.8%
EPS Next 3Y7.17%

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5

5. Dividend

5.1 Amount

RZB has a Yearly Dividend Yield of 1.81%.
Compared to an average industry Dividend Yield of 3.76, RZB has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.35, RZB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.81%

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
RZB Yearly Dividends per shareRZB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

29.26% of the earnings are spent on dividend by RZB. This is a low number and sustainable payout ratio.
The dividend of RZB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29.26%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
RZB Yearly Income VS Free CF VS DividendRZB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
RZB Dividend Payout.RZB Dividend Payout, showing the Payout Ratio.RZB Dividend Payout.PayoutRetained Earnings

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

NYSE:RZB (7/15/2025, 4:10:02 PM)

24.8907

-0.02 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-31 2025-07-31/amc
Inst Owners99.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.65B
Analysts77.33
Price Target31.04 (24.71%)
Short Float %1.1%
Short Ratio5.28
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP29.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-30 2025-05-30 (0.359375)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.34%
Min EPS beat(2)-6.11%
Max EPS beat(2)5.42%
EPS beat(4)3
Avg EPS beat(4)5.09%
Min EPS beat(4)-6.11%
Max EPS beat(4)14.34%
EPS beat(8)7
Avg EPS beat(8)11.29%
EPS beat(12)10
Avg EPS beat(12)24.97%
EPS beat(16)12
Avg EPS beat(16)17.52%
Revenue beat(2)0
Avg Revenue beat(2)-6.67%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-4.99%
Revenue beat(4)1
Avg Revenue beat(4)-1.89%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.55%
Revenue beat(12)7
Avg Revenue beat(12)4.25%
Revenue beat(16)10
Avg Revenue beat(16)4.4%
PT rev (1m)3.86%
PT rev (3m)-3.87%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)-2.91%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0.29%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 1.12
Fwd PE 0.96
P/S 0.08
P/FCF 0.32
P/OCF 0.32
P/B 0.14
P/tB 0.14
EV/EBITDA 1.56
EPS(TTM)22.26
EY89.43%
EPS(NY)25.8
Fwd EY103.66%
FCF(TTM)76.61
FCFY307.78%
OCF(TTM)76.61
OCFY307.78%
SpS318.57
BVpS172.52
TBVpS172.52
PEG (NY)0.38
PEG (5Y)0.1
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 6.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 6.57%
PM (TTM) 3.77%
GM N/A
FCFM 24.05%
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-Score4
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 1.13
Debt/EBITDA 4.01
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.15
Cash Conversion 354.3%
Profit Quality 638.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.87%
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)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
Revenue Next 5Y7.79%
EBIT growth 1Y2.6%
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 1Y85.46%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y83.84%
OCF growth 3Y30.85%
OCF growth 5Y32.35%