REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RZB - US7593518027
24.82 USD
-0.1 (-0.4%)
24.82 USD
0 (0%)
Overall RZB gets a fundamental rating of 4 out of 10. We evaluated RZB against 148 industry peers in the Insurance industry. RZB may be in some trouble as it scores bad on both profitability and health. RZB is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
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.
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 68.92% of its industry peers.
RZB has a Return On Equity of 6.68%. This is in the lower half of the industry: RZB underperforms 70.95% 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
RZB has a Profit Margin of 3.89%. This is in the lower half of the industry: RZB underperforms 70.27% of its industry peers.
In the last couple of years the Profit Margin of RZB has declined.
The Operating Margin of RZB (7.39%) is worse than 69.59% 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.
Compared to 1 year ago, RZB has more shares outstanding
RZB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for RZB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RZB is 1.18, which is an excellent value as it means it would take RZB, only 1.18 years of fcf income to pay off all of its debts.
RZB has a Debt to FCF ratio of 1.18. This is in the better half of the industry: RZB outperforms 68.24% of its industry peers.
RZB has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.44, RZB is doing worse than 62.16% of the companies in the same industry.
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
WACC5.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RZB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.77%.
Measured over the past years, RZB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.09% on average per year.
RZB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.01%.
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)-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
Based on estimates for the next years, RZB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.50% on average per year.
The Revenue is expected to grow by 8.07% on average over the next years. This is quite good.
EPS Next Y-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.14, 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/Earnings ratio.
When comparing the Price/Earnings ratio of RZB to the average of the S&P500 Index (26.51), we can say RZB is valued rather cheaply.
RZB is valuated cheaply with a Price/Forward Earnings ratio of 0.95.
Based on the Price/Forward Earnings ratio, RZB is valued cheaply inside the industry as 95.95% of the companies are valued more expensively.
RZB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.14 | ||
| Fwd PE | 0.95 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.62 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.4%
EPS Next 3Y8.07%
5. Dividend
5.1 Amount
RZB has a Yearly Dividend Yield of 1.80%. Purely for dividend investing, there may be better candidates out there.
RZB's Dividend Yield is comparable with the industry average which is at 2.42.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
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 2Y7.4%
EPS Next 3Y8.07%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (12/31/2025, 8:04:00 PM)
After market: 24.82 0 (0%)24.82
-0.1 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.7%
Inst Owner ChangeN/A
Ins Owners0.22%
Ins Owner ChangeN/A
Market Cap1.63B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.67
Price Target29.19 (17.61%)
Short Float %0.94%
Short Ratio10.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-7.96%
PT rev (3m)-4.59%
EPS NQ rev (1m)-1.23%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)-1.09%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)2.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.14 | ||
| Fwd PE | 0.95 | ||
| P/S | 0.07 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.62 |
EPS(TTM)21.74
EY87.59%
EPS(NY)26.09
Fwd EY105.12%
FCF(TTM)73.64
FCFY296.7%
OCF(TTM)73.64
OCFY296.7%
SpS339.57
BVpS197.5
TBVpS197.5
PEG (NY)N/A
PEG (5Y)0.1
Graham Number310.82
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
WACC5.73%
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-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
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 of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (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 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 1.14 and the Price/Book (PB) ratio is 0.13.
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.