REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - NYSE:RZB - US7593518027
24.9552 USD
+0.04 (+0.14%)
Overall RZB gets a fundamental rating of 4 out of 10. We evaluated RZB against 146 industry peers in the Insurance industry. RZB has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZB.
1. Profitability
1.1 Basic Checks
In the past year RZB was profitable.
In the past year RZB had a positive cash flow from operations.
RZB had positive earnings in each of the past 5 years.
RZB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RZB's Return On Assets of 0.58% is on the low side compared to the rest of the industry. RZB is outperformed by 67.12% of its industry peers.
RZB's Return On Equity of 6.39% is on the low side compared to the rest of the industry. RZB is outperformed by 69.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 6.39% | ||
| 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
1.3 Margins
With a Profit Margin value of 3.54%, RZB is not doing good in the industry: 72.60% of the companies in the same industry are doing better.
RZB's Profit Margin has declined in the last couple of years.
RZB has a worse Operating Margin (6.90%) than 67.81% of its industry peers.
In the last couple of years the Operating Margin of RZB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.9% | ||
| PM (TTM) | 3.54% | ||
| 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
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.
RZB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RZB has an improved debt to assets ratio.
2.2 Solvency
RZB has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
RZB has a better Debt to FCF ratio (1.17) than 63.01% of its industry peers.
RZB has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
RZB has a worse Debt to Equity ratio (0.48) than 64.38% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RZB have decreased by -2.77% in the last 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.
Looking at the last year, RZB shows a small growth in Revenue. The Revenue has grown by 2.01% in the last year.
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
RZB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.11% yearly.
The Revenue is expected to grow by 7.50% on average over the next years.
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
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 decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.15 indicates a rather cheap valuation of RZB.
Based on the Price/Earnings ratio, RZB is valued cheaper than 94.52% of the companies in the same industry.
RZB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
Based on the Price/Forward Earnings ratio of 0.96, the valuation of RZB can be described as very cheap.
Based on the Price/Forward Earnings ratio, RZB is valued cheaper than 96.58% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RZB to the average of the S&P500 Index (32.68), we can say RZB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaply inside the industry as 97.26% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.27 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.25%
EPS Next 3Y7.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.95%, RZB has a reasonable but not impressive dividend return.
RZB's Dividend Yield is comparable with the industry average which is at 3.33.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
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
5.3 Sustainability
30.52% 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.
DP30.52%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (11/7/2025, 8:16:13 PM)
24.9552
+0.04 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.9%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)22.31B
Net Income(TTM)770.00M
Analysts74.67
Price Target32.3 (29.43%)
Short Float %0.29%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP30.52%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.34%
Min EPS beat(2)-16.11%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-0.61%
Min EPS beat(4)-16.11%
Max EPS beat(4)14.34%
EPS beat(8)6
Avg EPS beat(8)8.64%
EPS beat(12)9
Avg EPS beat(12)14.73%
EPS beat(16)11
Avg EPS beat(16)9.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.37%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-2.37%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.73%
Revenue beat(12)7
Avg Revenue beat(12)4.39%
Revenue beat(16)9
Avg Revenue beat(16)3.66%
PT rev (1m)5.56%
PT rev (3m)1.24%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)-3.26%
EPS NY rev (1m)0.32%
EPS NY rev (3m)-4.16%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-1.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 | ||
| P/S | 0.08 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)21.74
EY87.12%
EPS(NY)26.02
Fwd EY104.26%
FCF(TTM)74.38
FCFY298.07%
OCF(TTM)74.38
OCFY298.07%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.1
Graham Number298.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 6.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 6.9% | ||
| PM (TTM) | 3.54% | ||
| GM | N/A | ||
| FCFM | 22.59% |
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 Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 3.71 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.67 | ||
| Cash Conversion | 317.78% | ||
| Profit Quality | 638.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.96%
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-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
EBIT growth 1Y8.69%
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 1Y69.87%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y68.41%
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 for 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 is the valuation of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 based on its PE and PB ratios?
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 0.14.
What is the earnings growth outlook for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56?
The Earnings per Share (EPS) of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is expected to decline by -3.8% in the next year.