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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

24.73  -0.04 (-0.16%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RZB. RZB was compared to 143 industry peers in the Insurance industry. RZB has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZB.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year RZB was profitable.
RZB had a positive operating cash flow in the past year.
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.
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's Return On Assets of 0.60% is on the low side compared to the rest of the industry. RZB is outperformed by 69.93% of its industry peers.
RZB has a Return On Equity of 6.63%. This is in the lower half of the industry: RZB underperforms 65.73% of its industry peers.
Industry RankSector Rank
ROA 0.6%
ROE 6.63%
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

The Profit Margin of RZB (3.24%) is worse than 74.83% of its industry peers.
In the last couple of years the Profit Margin of RZB has declined.
RZB's Operating Margin of 5.85% is on the low side compared to the rest of the industry. RZB is outperformed by 69.23% of its industry peers.
In the last couple of years the Operating Margin of RZB has declined.
Industry RankSector Rank
OM 5.85%
PM (TTM) 3.24%
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.
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.
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 0.54, which is an excellent value as it means it would take RZB, only 0.54 years of fcf income to pay off all of its debts.
RZB's Debt to FCF ratio of 0.54 is fine compared to the rest of the industry. RZB outperforms 76.92% of its industry peers.
RZB has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
RZB has a worse Debt to Equity ratio (0.47) than 63.64% 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 0.47
Debt/FCF 0.54
Altman-Z N/A
ROIC/WACCN/A
WACC6.21%
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

The Earnings Per Share has grown by an nice 13.90% over the past 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 quite strong growth in Revenue. The Revenue has grown by 19.09% in the last year.
Measured over the past years, RZB shows a quite strong growth in Revenue. The Revenue has been growing by 9.06% on average per year.
EPS 1Y (TTM)13.9%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%5.5%
Revenue 1Y (TTM)19.09%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%4.21%

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 8.38% on average per year.
The Revenue is expected to grow by 7.35% on average over the next years.
EPS Next Y1.93%
EPS Next 2Y6.48%
EPS Next 3Y7.59%
EPS Next 5Y8.38%
Revenue Next Year2.96%
Revenue Next 2Y6.69%
Revenue Next 3Y6.97%
Revenue Next 5Y7.35%

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.
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

The Price/Earnings ratio is 1.09, 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 93.71% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.87. RZB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.07, which indicates a rather cheap valuation of RZB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 94.41% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RZB to the average of the S&P500 Index (21.38), we can say RZB is valued rather cheaply.
Industry RankSector Rank
PE 1.09
Fwd PE 1.07
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

Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaper than 89.51% of the companies in the same industry.
RZB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZB is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.17
EV/EBITDA 2.5
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)0.57
PEG (5Y)0.1
EPS Next 2Y6.48%
EPS Next 3Y7.59%

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5

5. Dividend

5.1 Amount

RZB has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.22, RZB has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.46, RZB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.86%

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.
The dividend of RZB decreased in the last 3 years.
Dividend Growth(5Y)6.13%
Div Incr Years0
Div Non Decr Years2
RZB Yearly Dividends per shareRZB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

RZB pays out 31.94% of its income as dividend. This is a sustainable payout ratio.
RZB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.94%
EPS Next 2Y6.48%
EPS Next 3Y7.59%
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 (4/28/2025, 8:04:00 PM)

24.73

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)05-01 2025-05-01/amc
Inst Owners99.27%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap1.63B
Analysts80
Price Target32.28 (30.53%)
Short Float %0.12%
Short Ratio2.04
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP31.94%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-30 2025-05-30 (0.359375)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.11%
Min EPS beat(2)-6.11%
Max EPS beat(2)14.34%
EPS beat(4)3
Avg EPS beat(4)11.45%
Min EPS beat(4)-6.11%
Max EPS beat(4)30.88%
EPS beat(8)7
Avg EPS beat(8)17.02%
EPS beat(12)10
Avg EPS beat(12)39.88%
EPS beat(16)11
Avg EPS beat(16)-6.09%
Revenue beat(2)1
Avg Revenue beat(2)2.09%
Min Revenue beat(2)-4.99%
Max Revenue beat(2)9.16%
Revenue beat(4)2
Avg Revenue beat(4)9.61%
Min Revenue beat(4)-4.99%
Max Revenue beat(4)37.64%
Revenue beat(8)5
Avg Revenue beat(8)7.62%
Revenue beat(12)7
Avg Revenue beat(12)4.91%
Revenue beat(16)11
Avg Revenue beat(16)5.67%
PT rev (1m)1.71%
PT rev (3m)4.95%
EPS NQ rev (1m)-2.06%
EPS NQ rev (3m)-7.13%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)1.97%
Revenue NY rev (1m)2.9%
Revenue NY rev (3m)5.5%
Valuation
Industry RankSector Rank
PE 1.09
Fwd PE 1.07
P/S 0.07
P/FCF 0.17
P/OCF 0.17
P/B 0.15
P/tB 0.15
EV/EBITDA 2.5
EPS(TTM)22.62
EY91.47%
EPS(NY)23.06
Fwd EY93.23%
FCF(TTM)141.78
FCFY573.3%
OCF(TTM)141.78
OCFY573.3%
SpS334.73
BVpS163.66
TBVpS163.66
PEG (NY)0.57
PEG (5Y)0.1
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 6.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 5.85%
PM (TTM) 3.24%
GM N/A
FCFM 42.36%
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-Score5
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.54
Debt/EBITDA 3.76
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.08
Cash Conversion 699.25%
Profit Quality 1306.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.21%
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)13.9%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%5.5%
EPS Next Y1.93%
EPS Next 2Y6.48%
EPS Next 3Y7.59%
EPS Next 5Y8.38%
Revenue 1Y (TTM)19.09%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%4.21%
Revenue Next Year2.96%
Revenue Next 2Y6.69%
Revenue Next 3Y6.97%
Revenue Next 5Y7.35%
EBIT growth 1Y-9.26%
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 1Y131.7%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y131.7%
OCF growth 3Y30.85%
OCF growth 5Y32.35%