Logo image of RZB

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

24.62  -0.07 (-0.28%)

After market: 24.71 +0.09 (+0.37%)

Fundamental Rating

4

Taking everything into account, RZB scores 4 out of 10 in our fundamental rating. RZB was compared to 144 industry peers in the Insurance industry. RZB has a bad profitability rating. Also its financial health evaluation is rather negative. RZB may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
Each year in the past 5 years RZB has been profitable.
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 worse Return On Assets (0.60%) than 67.83% of its industry peers.
Looking at the Return On Equity, with a value of 6.63%, RZB is doing worse than 64.34% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 3.24%, RZB is doing worse than 70.63% of the companies in the same industry.
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

More info and screens

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.
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

RZB has a debt to FCF ratio of 0.54. This is a very positive value and a sign of high solvency as it would only need 0.54 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.54, RZB is in the better half of the industry, outperforming 79.72% of the companies in the same industry.
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 Debt to Equity ratio of 0.47. This is in the lower half of the industry: RZB underperforms 62.94% of its industry peers.
Even though the debt/equity ratio score it not favorable for RZB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.54
Altman-Z N/A
ROIC/WACCN/A
WACC6.44%
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.90% over the past year.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.09%.
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

The Earnings Per Share is expected to grow by 6.46% on average over the next years.
Based on estimates for the next years, RZB will show a small growth in Revenue. The Revenue will grow by 4.49% on average per year.
EPS Next Y2.2%
EPS Next 2Y5.46%
EPS Next 3Y6.46%
EPS Next 5YN/A
Revenue Next Year0.05%
Revenue Next 2Y4.15%
Revenue Next 3Y4.49%
Revenue Next 5YN/A

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 decreasing.
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 5B 10B 15B 20B 25B
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 5 10 15 20 25

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 1.09 indicates a rather cheap valuation of RZB.
Compared to the rest of the industry, the Price/Earnings ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 93.01% of the companies listed in the same industry.
RZB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
With a Price/Forward Earnings ratio of 1.06, the valuation of RZB can be described as very cheap.
Based on the Price/Forward Earnings ratio, RZB is valued cheaper than 95.10% of the companies in the same industry.
RZB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 1.09
Fwd PE 1.06
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 91.61% of the companies in the same industry.
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 0.17
EV/EBITDA 2.49
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)0.49
PEG (5Y)0.1
EPS Next 2Y5.46%
EPS Next 3Y6.46%

More info and screens

4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.84%, RZB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.17, RZB has a dividend in line with its industry peers.
RZB's Dividend Yield is slightly below the S&P500 average, which is at 2.33.
Industry RankSector Rank
Dividend Yield 1.84%

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.
RZB has decreased its dividend 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

31.94% of the earnings are spent on dividend by RZB. This is a low number and sustainable payout ratio.
RZB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP31.94%
EPS Next 2Y5.46%
EPS Next 3Y6.46%
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

More info and screens

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

NYSE:RZB (3/7/2025, 8:04:00 PM)

After market: 24.71 +0.09 (+0.37%)

24.62

-0.07 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners99.27%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap1.63B
Analysts80
Price Target31.73 (28.88%)
Short Float %0.01%
Short Ratio0.22
Dividend
Industry RankSector Rank
Dividend Yield 1.84%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP31.94%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-28 2025-02-28 (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)3.19%
PT rev (3m)11.34%
EPS NQ rev (1m)-4.83%
EPS NQ rev (3m)-5.16%
EPS NY rev (1m)-1.29%
EPS NY rev (3m)-0.82%
Revenue NQ rev (1m)3.24%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)2.73%
Revenue NY rev (3m)1.59%
Valuation
Industry RankSector Rank
PE 1.09
Fwd PE 1.06
P/S 0.07
P/FCF 0.17
P/OCF 0.17
P/B 0.15
P/tB 0.15
EV/EBITDA 2.49
EPS(TTM)22.62
EY91.88%
EPS(NY)23.12
Fwd EY93.9%
FCF(TTM)141.93
FCFY576.47%
OCF(TTM)141.93
OCFY576.47%
SpS335.08
BVpS163.83
TBVpS163.83
PEG (NY)0.49
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
WACC6.44%
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 Y2.2%
EPS Next 2Y5.46%
EPS Next 3Y6.46%
EPS Next 5YN/A
Revenue 1Y (TTM)19.09%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%4.21%
Revenue Next Year0.05%
Revenue Next 2Y4.15%
Revenue Next 3Y4.49%
Revenue Next 5YN/A
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%