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

NYSE:RZC • US7593518852

Current stock price

25.55 USD
-0.01 (-0.04%)
Last:

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

3

1. RZC Profitability Analysis

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • RZC's Return On Assets of 0.75% is on the low side compared to the rest of the industry. RZC is outperformed by 66.67% of its industry peers.
  • RZC has a worse Return On Equity (8.78%) than 60.54% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
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

  • The Profit Margin of RZC (4.99%) is worse than 63.95% of its industry peers.
  • In the last couple of years the Profit Margin of RZC has grown nicely.
  • The Operating Margin of RZC (8.78%) is worse than 63.95% of its industry peers.
  • RZC's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.78%
PM (TTM) 4.99%
GM N/A
OM growth 3Y16.29%
OM growth 5Y11.07%
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

3

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.
  • Compared to 5 years ago, RZC has less shares outstanding
  • Compared to 1 year ago, RZC has an improved debt to assets ratio.
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

  • RZC has a debt to FCF ratio of 1.40. This is a very positive value and a sign of high solvency as it would only need 1.40 years to pay back of all of its debts.
  • The Debt to FCF ratio of RZC (1.40) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.42 indicates that RZC is not too dependend on debt financing.
  • The Debt to Equity ratio of RZC (0.42) is worse than 63.27% 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 RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Altman-Z N/A
ROIC/WACCN/A
WACC5.73%
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.
  • The Earnings Per Share has been growing by 26.81% on average over the past years. This is a very strong growth
  • RZC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
  • 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

  • RZC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.53% yearly.
  • The Revenue is expected to grow by 9.25% on average over the next years. This is quite good.
EPS Next Y8.38%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
EPS Next 5Y10.53%
Revenue Next Year11.31%
Revenue Next 2Y8.68%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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.
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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8

4. RZC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.04, which indicates a rather cheap valuation of RZC.
  • RZC's Price/Earnings ratio is rather cheap when compared to the industry. RZC is cheaper than 93.88% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.15. RZC is valued rather cheaply when compared to this.
  • RZC is valuated cheaply with a Price/Forward Earnings ratio of 0.96.
  • Based on the Price/Forward Earnings ratio, RZC is valued cheaply inside the industry as 95.24% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of RZC to the average of the S&P500 Index (22.12), we can say RZC is valued rather cheaply.
Industry RankSector Rank
PE 1.04
Fwd PE 0.96
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

  • RZC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RZC is cheaper than 94.56% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, RZC is valued cheaper than 98.64% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.41
EV/EBITDA 1.51
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)0.12
PEG (5Y)0.04
EPS Next 2Y8.77%
EPS Next 3Y9.48%

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

5

5. RZC Dividend Analysis

5.1 Amount

  • RZC has a Yearly Dividend Yield of 1.77%.
  • RZC's Dividend Yield is comparable with the industry average which is at 2.37.
  • RZC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.77%

5.2 History

  • The dividend of RZC has a limited annual growth rate of 5.63%.
  • RZC has been paying a dividend for over 5 years, so it has already some track record.
  • RZC has decreased its dividend recently.
Dividend Growth(5Y)5.63%
Div Incr Years0
Div Non Decr Years1
RZC Yearly Dividends per shareRZC Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • RZC pays out 20.30% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of RZC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.3%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
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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RZC Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:RZC (4/28/2026, 12:15:05 PM)

25.55

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)05-07
Inst Owners99.25%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap1.67B
Revenue(TTM)23.71B
Net Income(TTM)1.18B
Analysts74.29
Price Target31.32 (22.58%)
Short Float %0.02%
Short Ratio0.1
Dividend
Industry RankSector Rank
Dividend Yield 1.77%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
DP20.3%
Div Incr Years0
Div Non Decr Years1
Ex-Date04-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.22%
Min EPS beat(2)8.95%
Max EPS beat(2)33.5%
EPS beat(4)3
Avg EPS beat(4)7.94%
Min EPS beat(4)-16.11%
Max EPS beat(4)33.5%
EPS beat(8)6
Avg EPS beat(8)9.7%
EPS beat(12)10
Avg EPS beat(12)14%
EPS beat(16)13
Avg EPS beat(16)31.89%
Revenue beat(2)2
Avg Revenue beat(2)3.73%
Min Revenue beat(2)3.67%
Max Revenue beat(2)3.8%
Revenue beat(4)2
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)4.4%
Revenue beat(12)7
Avg Revenue beat(12)4.81%
Revenue beat(16)9
Avg Revenue beat(16)3.48%
PT rev (1m)8.15%
PT rev (3m)3.41%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)3.89%
EPS NY rev (1m)0.83%
EPS NY rev (3m)2.35%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)1.73%
Valuation
Industry RankSector Rank
PE 1.04
Fwd PE 0.96
P/S 0.07
P/FCF 0.41
P/OCF 0.41
P/B 0.12
P/tB 0.12
EV/EBITDA 1.51
EPS(TTM)24.5
EY95.89%
EPS(NY)26.55
Fwd EY103.93%
FCF(TTM)62.45
FCFY244.42%
OCF(TTM)62.45
OCFY244.42%
SpS361.88
BVpS205.48
TBVpS205.48
PEG (NY)0.12
PEG (5Y)0.04
Graham Number336.557 (1217.25%)
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.78%
PM (TTM) 4.99%
GM N/A
FCFM 17.26%
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 3Y16.29%
OM growth 5Y11.07%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Debt/EBITDA 2.69
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.16
Cash Conversion 192.61%
Profit Quality 346.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.73%
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)700.43%
Profit Quality(5y)542.41%
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y8.38%
EPS Next 2Y8.77%
EPS Next 3Y9.48%
EPS Next 5Y10.53%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year11.31%
Revenue Next 2Y8.68%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%
EBIT growth 1Y60.82%
EBIT growth 3Y31.85%
EBIT growth 5Y22.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-56.34%
FCF growth 3Y45.87%
FCF growth 5Y4.43%
OCF growth 1Y-56.34%
OCF growth 3Y44.96%
OCF growth 5Y4.25%

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


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

REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) has a profitability rating of 3 / 10.


How financially healthy is REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52?

The financial health rating of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) is 3 / 10.


Is the dividend of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 sustainable?

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 20.3%.