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

NYSE:RZC • US7593518852

25.69 USD
+0.06 (+0.23%)
At close: Mar 6, 2026
25.69 USD
0 (0%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This RZC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, RZC scores 5 out of 10 in our fundamental rating. RZC was compared to 149 industry peers in the Insurance industry. The financial health of RZC is average, but there are quite some concerns on its profitability. RZC may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

3

1. RZC Profitability Analysis

1.1 Basic Checks

  • RZC had positive earnings in the past year.
  • RZC had a positive operating cash flow in the past year.
  • In the past 5 years RZC has always been profitable.
  • RZC had a positive operating cash flow in each of the past 5 years.
RZC Yearly Net Income VS EBIT VS OCF VS FCFRZC 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

  • RZC's Return On Assets of 0.57% is on the low side compared to the rest of the industry. RZC is outperformed by 68.46% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.68%, RZC is doing worse than 65.10% of the companies in the same industry.
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
RZC Yearly ROA, ROE, ROICRZC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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 69.80% of its industry peers.
  • In the last couple of years the Profit Margin of RZC has grown nicely.
  • RZC's Operating Margin of 7.39% is on the low side compared to the rest of the industry. RZC is outperformed by 70.47% of its industry peers.
  • RZC'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
RZC Yearly Profit, Operating, Gross MarginsRZC 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. RZC Health Analysis

2.1 Basic Checks

  • RZC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RZC has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RZC has been reduced compared to 5 years ago.
  • RZC has a better debt/assets ratio than last year.
RZC Yearly Shares OutstandingRZC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
RZC Yearly Total Debt VS Total AssetsRZC 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 RZC is 1.18, which is an excellent value as it means it would take RZC, only 1.18 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of RZC (1.18) is better than 67.11% of its industry peers.
  • RZC has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • RZC has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: RZC underperforms 63.76% of its industry peers.
  • Although RZC's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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
WACC5.67%
RZC Yearly LT Debt VS Equity VS FCFRZC 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. RZC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.31% over the past year.
  • RZC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.81% yearly.
  • Looking at the last year, RZC shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
  • Measured over the past years, RZC 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, RZC 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, RZC 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 Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
Revenue Next 5Y9.18%

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.
RZC Yearly Revenue VS EstimatesRZC 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
RZC Yearly EPS VS EstimatesRZC 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. RZC Valuation Analysis

4.1 Price/Earnings Ratio

  • RZC is valuated cheaply with a Price/Earnings ratio of 1.05.
  • Based on the Price/Earnings ratio, RZC is valued cheaply inside the industry as 95.30% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of RZC to the average of the S&P500 Index (26.29), we can say RZC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 0.99, the valuation of RZC can be described as very cheap.
  • 95.30% of the companies in the same industry are more expensive than RZC, based on the Price/Forward Earnings ratio.
  • RZC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.05
Fwd PE 0.99
RZC Price Earnings VS Forward Price EarningsRZC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 99.33% of the companies in the same industry are more expensive than RZC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.35
EV/EBITDA N/A
RZC Per share dataRZC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • RZC'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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RZC Dividend Analysis

5.1 Amount

  • RZC has a Yearly Dividend Yield of 5.76%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.50, RZC has a dividend in line with its industry peers.
  • RZC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.76%

5.2 History

  • The dividend of RZC has a limited annual growth rate of 5.63%.
  • RZC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)5.63%
Div Incr Years0
Div Non Decr Years0
RZC Yearly Dividends per shareRZC Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5 2

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 2Y7.69%
EPS Next 3Y9.9%
RZC Yearly Income VS Free CF VS DividendRZC 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
RZC Dividend Payout.RZC Dividend Payout, showing the Payout Ratio.RZC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

RZC Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:RZC (3/6/2026, 8:04:00 PM)

After market: 25.69 0 (0%)

25.69

+0.06 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.38%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.68B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target28.96 (12.73%)
Short Float %0.08%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 5.76%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
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)-4.38%
PT rev (3m)-10.69%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector Rank
PE 1.05
Fwd PE 0.99
P/S 0.08
P/FCF 0.35
P/OCF 0.35
P/B 0.13
P/tB 0.13
EV/EBITDA N/A
EPS(TTM)24.5
EY95.37%
EPS(NY)25.99
Fwd EY101.17%
FCF(TTM)73.92
FCFY287.75%
OCF(TTM)73.92
OCFY287.75%
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
WACC5.67%
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 Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
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 7 1/8 10/15/52 / RZC FAQ

What is the fundamental rating for RZC stock?

ChartMill assigns a fundamental rating of 5 / 10 to RZC.


What is the valuation status for RZC stock?

ChartMill assigns a valuation rating of 8 / 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 3 / 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 1.05 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 5 / 10 and the dividend payout ratio is 27.34%.