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

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

25.11 USD
+0.03 (+0.12%)
Last: Feb 3, 2026, 10:41 AM
Fundamental Rating

4

Taking everything into account, RZB scores 4 out of 10 in our fundamental rating. RZB was compared to 147 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!


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.
  • 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 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 68.71% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.68%, RZB is doing worse than 70.75% of the companies in the same industry.
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

  • RZB has a Profit Margin of 3.89%. This is in the lower half of the industry: RZB underperforms 70.07% 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 69.39% of its industry peers.
  • In the last couple of years the Operating Margin of RZB has declined.
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.
  • Compared to 1 year ago, RZB has more shares outstanding
  • 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 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

  • 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.
  • With a decent Debt to FCF ratio value of 1.18, RZB is doing good in the industry, outperforming 68.03% of the companies in the same industry.
  • 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: 61.90% of the companies in the same industry are doing better.
  • 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
WACC5.95%
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

  • 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.
  • The Revenue has been growing slightly by 2.01% in the past year.
  • 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

  • RZB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.50% yearly.
  • 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-6.19%
EPS Next 2Y7.1%
EPS Next 3Y7.89%
EPS Next 5Y9.5%
Revenue Next Year2.66%
Revenue Next 2Y5.98%
Revenue Next 3Y5.97%
Revenue Next 5Y8.07%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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 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

  • With a Price/Earnings ratio of 1.16, the valuation of RZB can be described as very cheap.
  • 95.92% of the companies in the same industry are more expensive than RZB, based on the Price/Earnings ratio.
  • RZB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
  • Based on the Price/Forward Earnings ratio of 0.97, the valuation of RZB can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, RZB is valued cheaply inside the industry as 96.60% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 25.64. RZB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.16
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 93.88% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, RZB is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.34
EV/EBITDA 1.63
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 2Y7.1%
EPS Next 3Y7.89%

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5

5. Dividend

5.1 Amount

  • RZB has a Yearly Dividend Yield of 1.87%.
  • Compared to an average industry Dividend Yield of 2.19, RZB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, RZB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.87%

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

  • RZB pays out 27.34% of its income as dividend. This is a sustainable payout ratio.
  • RZB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.34%
EPS Next 2Y7.1%
EPS Next 3Y7.89%
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 (2/3/2026, 10:41:46 AM)

25.11

+0.03 (+0.12%)

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 Cap1.65B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.29
Price Target29.81 (18.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
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)2.12%
PT rev (3m)-7.71%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)0.76%
EPS NY rev (1m)-1.41%
EPS NY rev (3m)-4.9%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)-0.64%
Revenue NY rev (3m)1.39%
Valuation
Industry RankSector Rank
PE 1.16
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 1.63
EPS(TTM)21.74
EY86.58%
EPS(NY)25.94
Fwd EY103.32%
FCF(TTM)73.64
FCFY293.28%
OCF(TTM)73.64
OCFY293.28%
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
WACC5.95%
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-6.19%
EPS Next 2Y7.1%
EPS Next 3Y7.89%
EPS Next 5Y9.5%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year2.66%
Revenue Next 2Y5.98%
Revenue Next 3Y5.97%
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 1.16 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.