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

NYSE:RZB • US7593518027

25.14 USD
-0.03 (-0.12%)
Last: Feb 13, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall RZB gets a fundamental rating of 5 out of 10. We evaluated RZB against 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.
  • RZB had a positive operating cash flow in the past year.
  • 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's Return On Equity of 6.68% is on the low side compared to the rest of the industry. RZB is outperformed by 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

  • Looking at the Profit Margin, with a value of 3.89%, RZB is doing worse than 69.13% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RZB has grown nicely.
  • The Operating Margin of RZB (7.39%) is worse than 68.46% of its industry peers.
  • RZB's Operating Margin has improved in the last couple of years.
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.
  • The number of shares outstanding for RZB has been reduced compared to 1 year ago.
  • RZB has less shares outstanding than it did 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 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

  • 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 better Debt to FCF ratio (1.18) than 68.46% 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.
  • With a Debt to Equity ratio value of 0.44, RZB is not doing good in the industry: 61.74% of the companies in the same industry are doing better.
  • 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 0.44
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.
  • The Earnings Per Share has been growing by 26.81% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 7.16% in the past year.
  • Measured over the past years, RZB shows a quite strong growth in Revenue. The Revenue has been growing by 10.15% on average per year.
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

  • Based on estimates for the next years, RZB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.83% on average per year.
  • 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

  • RZB is valuated cheaply with a Price/Earnings ratio of 1.03.
  • 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.
  • The average S&P500 Price/Earnings ratio is at 26.68. RZB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 0.97 indicates a rather cheap valuation of RZB.
  • Based on the Price/Forward Earnings ratio, RZB is valued cheaply inside the industry as 96.64% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of RZB to the average of the S&P500 Index (28.06), we can say 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

  • 100.00% of the companies in the same industry are more expensive than RZB, based on the Price/Free Cash Flow ratio.
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

  • RZB's 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

  • With a Yearly Dividend Yield of 1.66%, RZB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.67, RZB has a dividend in line with its industry peers.
  • RZB's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 1.66%

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 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 (2/13/2026, 8:04:00 PM)

25.14

-0.03 (-0.12%)

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 (15.83%)
Short Float %0.94%
Short Ratio8.06
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
EY97.45%
EPS(NY)25.99
Fwd EY103.38%
FCF(TTM)73.92
FCFY294.05%
OCF(TTM)73.92
OCFY294.05%
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.