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

USA - New York Stock Exchange - NYSE:RZB - US7593518027

25.02 USD
-0.07 (-0.28%)
Last: 1/20/2026, 8:18:03 PM
Fundamental Rating

4

Taking everything into account, RZB scores 4 out of 10 in our fundamental rating. RZB was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of RZB have multiple concerns. RZB may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years RZB has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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 68.46% of its industry peers.
  • RZB has a Return On Equity of 6.68%. This is in the lower half of the industry: RZB underperforms 70.47% of its industry peers.
Industry RankSector 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
RZB Yearly ROA, ROE, ROICRZB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of RZB (3.89%) is worse than 69.80% of its industry peers.
  • In the last couple of years the Profit Margin of RZB has declined.
  • RZB's Operating Margin of 7.39% is on the low side compared to the rest of the industry. RZB is outperformed by 69.13% of its industry peers.
  • RZB's Operating Margin has declined in the last couple of years.
Industry RankSector 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
RZB Yearly Profit, Operating, Gross MarginsRZB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
  • Compared to 5 years ago, RZB has more shares outstanding
  • 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 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 20B 40B 60B 80B 100B

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.
  • RZB has a better Debt to FCF ratio (1.18) than 68.46% of its industry peers.
  • A Debt/Equity ratio of 0.44 indicates that RZB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.44, RZB is not doing good in the industry: 61.07% 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
WACC6.12%
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 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 for RZB have decreased by -2.77% in the last 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.
  • RZB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.01%.
  • RZB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
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

  • The Earnings Per Share is expected to grow by 9.50% on average over the next years. This is quite good.
  • Based on estimates for the next years, RZB will show a quite strong growth in Revenue. The Revenue will grow by 8.07% on average per year.
EPS Next Y-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue Next Year3.33%
Revenue Next 2Y6.74%
Revenue Next 3Y6.41%
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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30

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7

4. Valuation

4.1 Price/Earnings Ratio

  • RZB is valuated cheaply with a Price/Earnings ratio of 1.15.
  • Based on the Price/Earnings ratio, RZB is valued cheaper than 95.97% of the companies in the same industry.
  • RZB is valuated cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 0.96, the valuation of RZB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 96.64% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.94. RZB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.15
Fwd PE 0.96
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaply inside the industry as 93.96% of the companies are valued more expensively.
  • 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 0.34
EV/EBITDA 1.62
RZB Per share dataRZB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.4%
EPS Next 3Y8.07%

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5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.89%, RZB has a reasonable but not impressive dividend return.
  • RZB's Dividend Yield is comparable with the industry average which is at 2.53.
  • RZB's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 1.89%

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

  • RZB pays out 27.34% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of RZB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.34%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
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 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 (1/20/2026, 8:18:03 PM)

25.02

-0.07 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-05
Inst Owners99.74%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.64B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.29
Price Target29.81 (19.14%)
Short Float %0.95%
Short Ratio9.51
Dividend
Industry RankSector Rank
Dividend Yield 1.89%
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)-3.83%
PT rev (3m)-4.12%
EPS NQ rev (1m)-1.2%
EPS NQ rev (3m)-0.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.62%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)2.02%
Valuation
Industry RankSector Rank
PE 1.15
Fwd PE 0.96
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
EY86.89%
EPS(NY)26.09
Fwd EY104.28%
FCF(TTM)73.64
FCFY294.33%
OCF(TTM)73.64
OCFY294.33%
SpS339.57
BVpS197.5
TBVpS197.5
PEG (NY)N/A
PEG (5Y)0.1
Graham Number310.82
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)0.71%
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 RankSector 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
WACC6.12%
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 Year3.33%
Revenue Next 2Y6.74%
Revenue Next 3Y6.41%
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 1.15 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.