REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
NYSE:RZB - New York Stock Exchange, Inc. - US7593518027 - Currency: USD
Overall RZB gets a fundamental rating of 4 out of 10. We evaluated RZB against 143 industry peers in the Insurance industry. RZB may be in some trouble as it scores bad on both profitability and health. RZB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year RZB was profitable.
In the past year RZB had a positive cash flow from operations.
Each year in the past 5 years RZB has been profitable.
Each year in the past 5 years RZB had a positive operating cash flow.
1.2 Ratios
RZB has a Return On Assets of 0.62%. This is in the lower half of the industry: RZB underperforms 63.64% of its industry peers.
Looking at the Return On Equity, with a value of 6.95%, RZB is doing worse than 66.43% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 3.77%, RZB is not doing good in the industry: 66.43% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RZB has declined.
RZB's Operating Margin of 6.57% is on the low side compared to the rest of the industry. RZB is outperformed by 64.34% of its industry peers.
RZB's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
RZB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RZB has been increased compared to 1 year ago.
RZB has more shares outstanding than it did 5 years ago.
RZB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of RZB is 1.13, which is an excellent value as it means it would take RZB, only 1.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.13, RZB is in the better half of the industry, outperforming 62.24% of the companies in the same industry.
RZB has a Debt/Equity ratio of 0.50. This is a neutral value indicating RZB is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.50, RZB is doing worse than 62.94% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for RZB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.43% over the past year.
The Earnings Per Share has been growing by 11.09% on average over the past years. This is quite good.
Looking at the last year, RZB shows a small growth in Revenue. The Revenue has grown by 2.11% in the last year.
The Revenue has been growing by 9.06% on average over the past years. This is quite good.
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, RZB 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, RZB will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.12 indicates a rather cheap valuation of RZB.
95.80% of the companies in the same industry are more expensive than RZB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RZB to the average of the S&P500 Index (27.54), we can say RZB is valued rather cheaply.
A Price/Forward Earnings ratio of 0.96 indicates a rather cheap valuation of RZB.
Based on the Price/Forward Earnings ratio, RZB is valued cheaper than 96.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, RZB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.12 | ||
| Fwd PE | 0.96 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaper than 96.50% of the companies in the same industry.
100.00% of the companies in the same industry are more expensive than RZB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.32 | ||
| EV/EBITDA | 1.56 |
4.3 Compensation for Growth
RZB's 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 2Y6.8%
EPS Next 3Y7.17%
5. Dividend
5.1 Amount
RZB has a Yearly Dividend Yield of 1.80%. Purely for dividend investing, there may be better candidates out there.
RZB's Dividend Yield is comparable with the industry average which is at 3.38.
Compared to the average S&P500 Dividend Yield of 2.35, RZB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
5.2 History
The dividend of RZB is nicely growing with an annual growth rate of 6.13%!
RZB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)6.13%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RZB pays out 29.26% of its income as dividend. This is a sustainable payout ratio.
The dividend of RZB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29.26%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (7/18/2025, 8:10:55 PM)
24.885
+0.04 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.64B
Analysts77.33
Price Target31.9 (28.19%)
Short Float %1.1%
Short Ratio5.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP29.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)6.73%
PT rev (3m)-1.21%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)-2.91%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0.29%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.12 | ||
| Fwd PE | 0.96 | ||
| P/S | 0.08 | ||
| P/FCF | 0.32 | ||
| P/OCF | 0.32 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.56 |
EPS(TTM)22.26
EY89.45%
EPS(NY)25.8
Fwd EY103.69%
FCF(TTM)76.61
FCFY307.85%
OCF(TTM)76.61
OCFY307.85%
SpS318.57
BVpS172.52
TBVpS172.52
PEG (NY)0.38
PEG (5Y)0.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.96%
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 Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
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%