RZC Fundamental Analysis - REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52

Fundamental Rating

RZC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and financial health of RZC have multiple concerns. RZC scores decently on growth, while it is valued quite cheap. This could make an interesting combination. RZC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

RZC had positive earnings in the past year.
In the past year RZC had a positive cash flow from operations.
RZC had positive earnings in each of the past 5 years.
In the past 5 years RZC always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.57%, RZC is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
RZC has a Return On Equity of 6.68%. This is in the lower half of the industry: RZC underperforms 71.92% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

RZC's Profit Margin of 3.89% is on the low side compared to the rest of the industry. RZC is outperformed by 69.86% of its industry peers.
RZC's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 7.39%, RZC is doing worse than 69.18% of the companies in the same industry.
In the last couple of years the Operating Margin of RZC has declined.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

RZC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RZC has more shares outstanding
Compared to 5 years ago, RZC has more shares outstanding
The debt/assets ratio for RZC has been reduced compared to a year ago.

2.2 Solvency

RZC 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.
RZC has a better Debt to FCF ratio (1.18) than 67.12% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that RZC is not too dependend on debt financing.
RZC has a worse Debt to Equity ratio (0.44) than 63.01% of its industry peers.
Even though the debt/equity ratio score it not favorable for RZC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	1.18
Altman-Z	N/A

ROIC/WACCN/A

WACC6.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

RZC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.77%.
The Earnings Per Share has been growing by 11.09% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.01% in the past year.
Measured over the past years, RZC 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

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, RZC 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 Year3.32%

Revenue Next 2Y6.78%

Revenue Next 3Y6.45%

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.
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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.17, the valuation of RZC can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 95.21% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of RZC to the average of the S&P500 Index (27.54), we can say RZC is valued rather cheaply.
RZC is valuated cheaply with a Price/Forward Earnings ratio of 0.98.
Based on the Price/Forward Earnings ratio, RZC is valued cheaper than 95.21% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RZC to the average of the S&P500 Index (24.31), we can say RZC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	1.17
Fwd PE	0.98

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 93.15% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RZC is valued cheaply inside the industry as 99.32% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.35
EV/EBITDA	1.64

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.11

EPS Next 2Y7.4%

EPS Next 3Y8.07%

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5. Dividend

5.1 Amount

RZC has a Yearly Dividend Yield of 5.76%, which is a nice return.
RZC's Dividend Yield is rather good when compared to the industry average which is at 2.42. RZC pays more dividend than 88.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, RZC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.76%

5.2 History

The dividend of RZC is nicely growing with an annual growth rate of 6.13%!
RZC has paid a dividend for less than 5 years, so there is no long track record yet.

Dividend Growth(5Y)6.13%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

27.34% of the earnings are spent on dividend by RZC. This is a low number and sustainable payout ratio.
The dividend of RZC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP27.34%

EPS Next 2Y7.4%

EPS Next 3Y8.07%

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REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52

NYSE:RZC (1/15/2026, 8:15:23 PM)

25.47

+0.03 (+0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)10-30 2025-10-30/amc

Earnings (Next)02-05 2026-02-05/amc

Inst Owners99.74%

Inst Owner ChangeN/A

Ins Owners0.2%

Ins Owner ChangeN/A

Market Cap1.67B

Revenue(TTM)22.31B

Net Income(TTM)867.00M

Analysts74.29

Price Target30.22 (18.65%)

Short Float %0.09%

Short Ratio2.2

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.76%

Yearly Dividend3.48

Dividend Growth(5Y)6.13%

DP27.34%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

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)-5.24%

PT rev (3m)-7.1%

EPS NQ rev (1m)-0.58%

EPS NQ rev (3m)1.6%

EPS NY rev (1m)0%

EPS NY rev (3m)-3.23%

Revenue NQ rev (1m)-0.09%

Revenue NQ rev (3m)1.59%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.01%

Valuation

		Industry Rank	Sector Rank
PE	1.17
Fwd PE	0.98
P/S	0.08
P/FCF	0.35
P/OCF	0.35
P/B	0.13
P/tB	0.13
EV/EBITDA	1.64

EPS(TTM)21.74

EY85.36%

EPS(NY)26.09

Fwd EY102.43%

FCF(TTM)73.64

FCFY289.13%

OCF(TTM)73.64

OCFY289.13%

SpS339.57

BVpS197.5

TBVpS197.5

PEG (NY)N/A

PEG (5Y)0.11

Graham Number310.82

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC6.05%

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 Year3.32%

Revenue Next 2Y6.78%

Revenue Next 3Y6.45%

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 7 1/8 10/15/52 / RZC FAQ

What is the fundamental rating for RZC stock?

ChartMill assigns a fundamental rating of 4 / 10 to RZC.

What is the valuation status for RZC stock?

ChartMill assigns a valuation rating of 7 / 10 to REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC). This can be considered as Undervalued.

What is the profitability of RZC stock?

REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for RZC stock?

The Price/Earnings (PE) ratio for REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) is 1.17 and the Price/Book (PB) ratio is 0.13.

How sustainable is the dividend of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) stock?

The dividend rating of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) is 7 / 10 and the dividend payout ratio is 27.34%.

REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 / RZC FAQ

What is the fundamental rating for RZC stock?

What is the valuation status for RZC stock?

What is the profitability of RZC stock?

Can you provide the PE and PB ratios for RZC stock?

How sustainable is the dividend of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) stock?