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

NYSE:RZC - New York Stock Exchange, Inc. - US7593518852 - Currency: USD

25.35  -0.04 (-0.16%)

Fundamental Rating

4

Overall RZC gets a fundamental rating of 4 out of 10. We evaluated RZC against 144 industry peers in the Insurance industry. RZC may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZC.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years RZC has always been profitable.
Each year in the past 5 years RZC had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

RZC's Return On Assets of 0.62% is on the low side compared to the rest of the industry. RZC is outperformed by 65.97% of its industry peers.
RZC has a worse Return On Equity (6.95%) than 68.75% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 6.95%
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
RZC Yearly ROA, ROE, ROICRZC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

RZC has a worse Profit Margin (3.77%) than 68.75% of its industry peers.
RZC's Profit Margin has declined in the last couple of years.
RZC has a Operating Margin of 6.57%. This is in the lower half of the industry: RZC underperforms 66.67% of its industry peers.
RZC's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 6.57%
PM (TTM) 3.77%
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
RZC Yearly Profit, Operating, Gross MarginsRZC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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3

2. Health

2.1 Basic Checks

RZC does not have a ROIC to compare to the WACC, probably because it is not profitable.
RZC has more shares outstanding than it did 1 year ago.
RZC has more shares outstanding than it did 5 years ago.
RZC has a better debt/assets ratio than last year.
RZC Yearly Shares OutstandingRZC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RZC Yearly Total Debt VS Total AssetsRZC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

RZC has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
The Debt to FCF ratio of RZC (1.13) is better than 61.81% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that RZC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.50, RZC is not doing good in the industry: 65.28% of the companies in the same industry are doing better.
Although RZC 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 0.5
Debt/FCF 1.13
Altman-Z N/A
ROIC/WACCN/A
WACC5.88%
RZC Yearly LT Debt VS Equity VS FCFRZC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 has been growing slightly by 7.43% over the past year.
RZC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
RZC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.11%.
RZC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
EPS 1Y (TTM)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%

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 8.90% on average per year.
Based on estimates for the next years, RZC will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y3%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
EPS Next 5Y8.9%
Revenue Next Year2.39%
Revenue Next 2Y6.26%
Revenue Next 3Y7.29%
Revenue Next 5Y7.79%

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.
RZC Yearly Revenue VS EstimatesRZC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B
RZC Yearly EPS VS EstimatesRZC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30

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8

4. Valuation

4.1 Price/Earnings Ratio

RZC is valuated cheaply with a Price/Earnings ratio of 1.14.
Based on the Price/Earnings ratio, RZC is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.45, RZC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.98, the valuation of RZC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 94.44% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, RZC is valued rather cheaply.
Industry RankSector Rank
PE 1.14
Fwd PE 0.98
RZC Price Earnings VS Forward Price EarningsRZC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 95.83% of the companies listed in the same industry.
RZC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZC is cheaper than 99.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.33
EV/EBITDA 1.58
RZC Per share dataRZC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.38
PEG (5Y)0.1
EPS Next 2Y6.74%
EPS Next 3Y7.98%

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4

5. Dividend

5.1 Amount

RZC has a Yearly Dividend Yield of 1.80%.
RZC's Dividend Yield is comparable with the industry average which is at 3.51.
Compared to the average S&P500 Dividend Yield of 2.42, RZC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.8%

5.2 History

On average, the dividend of RZC grows each year by 6.13%, which is quite nice.
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
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

29.26% of the earnings are spent on dividend by RZC. This is a low number and sustainable payout ratio.
RZC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.26%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
RZC Yearly Income VS Free CF VS DividendRZC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
RZC Dividend Payout.RZC Dividend Payout, showing the Payout Ratio.RZC Dividend Payout.PayoutRetained Earnings

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

NYSE:RZC (7/3/2025, 8:07:48 PM)

25.35

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-31 2025-07-31/amc
Inst Owners99.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.68B
Analysts77.33
Price Target32.34 (27.57%)
Short Float %0.08%
Short Ratio1.28
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP29.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-01 2025-07-01 (0.4453)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.34%
Min EPS beat(2)-6.11%
Max EPS beat(2)5.42%
EPS beat(4)3
Avg EPS beat(4)5.09%
Min EPS beat(4)-6.11%
Max EPS beat(4)14.34%
EPS beat(8)7
Avg EPS beat(8)11.29%
EPS beat(12)10
Avg EPS beat(12)24.97%
EPS beat(16)12
Avg EPS beat(16)17.52%
Revenue beat(2)0
Avg Revenue beat(2)-6.67%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-4.99%
Revenue beat(4)1
Avg Revenue beat(4)-1.89%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.55%
Revenue beat(12)7
Avg Revenue beat(12)4.25%
Revenue beat(16)10
Avg Revenue beat(16)4.4%
PT rev (1m)0.52%
PT rev (3m)-7.51%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-3.01%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)0.8%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)2.34%
Valuation
Industry RankSector Rank
PE 1.14
Fwd PE 0.98
P/S 0.08
P/FCF 0.33
P/OCF 0.33
P/B 0.15
P/tB 0.15
EV/EBITDA 1.58
EPS(TTM)22.26
EY87.81%
EPS(NY)25.77
Fwd EY101.67%
FCF(TTM)76.61
FCFY302.2%
OCF(TTM)76.61
OCFY302.2%
SpS318.57
BVpS172.52
TBVpS172.52
PEG (NY)0.38
PEG (5Y)0.1
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 6.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 6.57%
PM (TTM) 3.77%
GM N/A
FCFM 24.05%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 1.13
Debt/EBITDA 4.01
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.15
Cash Conversion 354.3%
Profit Quality 638.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.88%
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)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
EPS Next Y3%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
EPS Next 5Y8.9%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
Revenue Next Year2.39%
Revenue Next 2Y6.26%
Revenue Next 3Y7.29%
Revenue Next 5Y7.79%
EBIT growth 1Y2.6%
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 1Y85.46%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y83.84%
OCF growth 3Y30.85%
OCF growth 5Y32.35%