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

NYSE:RZC • US7593518852

Current stock price

25.35 USD
0 (0%)
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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

  • In the past year RZC was profitable.
  • RZC had a positive operating cash flow in the past year.
  • Each year in the past 5 years RZC has 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

  • With a Return On Assets value of 0.75%, RZC is not doing good in the industry: 65.54% of the companies in the same industry are doing better.
  • The Return On Equity of RZC (8.78%) is comparable to the rest of the industry.
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 61.49% of its industry peers.
  • In the last couple of years the Profit Margin of RZC has grown nicely.
  • With a Operating Margin value of 8.63%, RZC is not doing good in the industry: 66.89% of the companies in the same industry are doing better.
  • RZC's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.63%
PM (TTM) 4.99%
GM N/A
OM growth 3Y15.53%
OM growth 5Y10.63%
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.
  • RZC has less shares outstanding than it did 5 years ago.
  • 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

  • The Debt to FCF ratio of RZC is 1.40, which is an excellent value as it means it would take RZC, only 1.40 years of fcf income to pay off all of its debts.
  • RZC's Debt to FCF ratio of 1.40 is in line compared to the rest of the industry. RZC outperforms 54.05% of its industry peers.
  • RZC has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
  • RZC has a Debt to Equity ratio of 0.42. This is in the lower half of the industry: RZC underperforms 62.84% 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 0.42
Debt/FCF 1.4
Altman-Z N/A
ROIC/WACCN/A
WACC5.98%
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.
  • Measured over the past years, RZC shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.81% on average per year.
  • The Revenue has been growing slightly by 7.16% in the past year.
  • RZC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.15% yearly.
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

  • The Earnings Per Share is expected to grow by 10.22% on average over the next years. This is quite good.
  • RZC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.25% yearly.
EPS Next Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue Next Year11.45%
Revenue Next 2Y8.74%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 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 1.03, which indicates a rather cheap valuation of RZC.
  • Based on the Price/Earnings ratio, RZC is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
  • RZC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • A Price/Forward Earnings ratio of 0.96 indicates a rather cheap valuation of RZC.
  • Based on the Price/Forward Earnings ratio, RZC is valued cheaply inside the industry as 95.27% of the companies are valued more expensively.
  • RZC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.03
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

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RZC is valued cheaper than 93.24% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, RZC is valued cheaper than 99.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.41
EV/EBITDA 1.53
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)0.14
PEG (5Y)0.04
EPS Next 2Y8.39%
EPS Next 3Y9.35%

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

4

5. RZC Dividend Analysis

5.1 Amount

  • RZC has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.84, RZC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, RZC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.86%

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

  • RZC pays out 20.30% of its income as dividend. This is a sustainable payout ratio.
  • RZC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP20.3%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
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 (3/27/2026, 8:04:00 PM)

25.35

0 (0%)

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 Cap1.66B
Revenue(TTM)23.71B
Net Income(TTM)1.18B
Analysts74.29
Price Target28.96 (14.24%)
Short Float %0.11%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
DP20.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-1.99%
PT rev (3m)-9.21%
EPS NQ rev (1m)1.25%
EPS NQ rev (3m)2.66%
EPS NY rev (1m)1.33%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 1.03
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 1.53
EPS(TTM)24.5
EY96.65%
EPS(NY)26.34
Fwd EY103.89%
FCF(TTM)62.4
FCFY246.16%
OCF(TTM)62.4
OCFY246.16%
SpS361.61
BVpS205.32
TBVpS205.32
PEG (NY)0.14
PEG (5Y)0.04
Graham Number336.43
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.63%
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 3Y15.53%
OM growth 5Y10.63%
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 2.73
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.02
Cash Conversion 195.93%
Profit Quality 346.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.98%
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 Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year11.45%
Revenue Next 2Y8.74%
Revenue Next 3Y9.31%
Revenue Next 5Y9.25%
EBIT growth 1Y58.04%
EBIT growth 3Y30.98%
EBIT growth 5Y21.86%
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 4 / 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 1.03 and the Price/Book (PB) ratio is 0.12.


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 4 / 10 and the dividend payout ratio is 20.3%.