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

NYSE:RZB • US7593518027

25.18 USD
+0.04 (+0.16%)
At close: Feb 17, 2026
25.2 USD
+0.02 (+0.08%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, RZB scores 5 out of 10 in our fundamental rating. RZB was compared to 149 industry peers in the Insurance industry. The financial health of RZB is average, but there are quite some concerns on its profitability. RZB is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years RZB 4 years had a positive operating cash flow.
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 0.57%. This is in the lower half of the industry: RZB underperforms 67.11% of its industry peers.
  • RZB has a Return On Equity of 6.68%. This is in the lower half of the industry: RZB underperforms 69.13% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 6.68%
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 (3.89%) is worse than 69.13% of its industry peers.
  • RZB's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 7.39%, RZB is not doing good in the industry: 68.46% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of RZB has grown nicely.
Industry RankSector Rank
OM 7.39%
PM (TTM) 3.89%
GM N/A
OM growth 3Y12.85%
OM growth 5Y9.09%
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

4

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 less shares outstanding
  • The number of shares outstanding for RZB has been reduced compared to 5 years ago.
  • RZB has a better debt/assets ratio than last year.
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 1.18. 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.
  • Looking at the Debt to FCF ratio, with a value of 1.18, RZB is in the better half of the industry, outperforming 68.46% of the companies in the same industry.
  • RZB has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • 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 61.74% 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 0.44
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC5.85%
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. Growth

3.1 Past

  • RZB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.31%, which is quite good.
  • 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.
  • The Revenue has been growing slightly by 7.16% in the past year.
  • RZB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.15% yearly.
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

  • RZB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.83% yearly.
  • Based on estimates for the next years, RZB will show a quite strong growth in Revenue. The Revenue will grow by 9.18% on average per year.
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue Next Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
Revenue Next 5Y9.18%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.03, 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 96.64% of the companies in the same industry.
  • RZB is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 0.97, the valuation of RZB can be described as very cheap.
  • RZB's Price/Forward Earnings ratio is rather cheap when compared to the industry. RZB is cheaper than 96.64% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, RZB is valued rather cheaply.
Industry RankSector Rank
PE 1.03
Fwd PE 0.97
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 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 0.34
EV/EBITDA N/A
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)0.17
PEG (5Y)0.04
EPS Next 2Y7.69%
EPS Next 3Y9.9%

More info and screens

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

5

5. Dividend

5.1 Amount

  • RZB has a Yearly Dividend Yield of 1.66%. Purely for dividend investing, there may be better candidates out there.
  • RZB's Dividend Yield is comparable with the industry average which is at 2.68.
  • RZB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.66%

5.2 History

  • The dividend of RZB is nicely growing with an annual growth rate of 6.13%!
  • 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 2026 0.5 1

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 2Y7.69%
EPS Next 3Y9.9%
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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Find the best dividend stocksShow peers with best dividend

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

NYSE:RZB (2/17/2026, 1:05:23 PM)

After market: 25.2 +0.02 (+0.08%)

25.18

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.74%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target29.12 (15.65%)
Short Float %0.94%
Short Ratio7.27
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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)-0.25%
PT rev (3m)-7.69%
EPS NQ rev (1m)-0.69%
EPS NQ rev (3m)-2.89%
EPS NY rev (1m)-0.38%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)-1.43%
Revenue NY rev (3m)-1.36%
Valuation
Industry RankSector Rank
PE 1.03
Fwd PE 0.97
P/S 0.07
P/FCF 0.34
P/OCF 0.34
P/B 0.13
P/tB 0.13
EV/EBITDA N/A
EPS(TTM)24.5
EY97.3%
EPS(NY)25.99
Fwd EY103.21%
FCF(TTM)73.92
FCFY293.58%
OCF(TTM)73.92
OCFY293.58%
SpS340.86
BVpS198.26
TBVpS198.26
PEG (NY)0.17
PEG (5Y)0.04
Graham Number330.59
Profitability
Industry RankSector 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)0.76%
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 3Y12.85%
OM growth 5Y9.09%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.49
Cash Conversion N/A
Profit Quality 558.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.85%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
Revenue Next 5Y9.18%
EBIT growth 1Y32.98%
EBIT growth 3Y27.95%
EBIT growth 5Y20.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-46.21%
OCF growth 3YN/A
OCF growth 5YN/A

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 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 1.03 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 4 / 10.