Logo image of RZB

REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis

NYSE:RZB - US7593518027

24.77 USD
+0.07 (+0.28%)
Last: 9/2/2025, 8:04:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RZB. RZB was compared to 146 industry peers in the Insurance industry. Both the profitability and financial health of RZB have multiple concerns. RZB may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
In the past 5 years RZB has always been profitable.
In the past 5 years RZB always reported a positive cash flow from operatings.
RZB Yearly Net Income VS EBIT VS OCF VS FCFRZB 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

RZB's Return On Assets of 0.58% is on the low side compared to the rest of the industry. RZB is outperformed by 64.38% of its industry peers.
RZB has a Return On Equity of 6.39%. This is in the lower half of the industry: RZB underperforms 65.75% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 6.39%
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
RZB Yearly ROA, ROE, ROICRZB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a Profit Margin value of 3.54%, RZB is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
RZB's Profit Margin has declined in the last couple of years.
The Operating Margin of RZB (6.90%) is worse than 65.75% of its industry peers.
RZB's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 6.9%
PM (TTM) 3.54%
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
RZB Yearly Profit, Operating, Gross MarginsRZB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

More info and screens

3

2. Health

2.1 Basic Checks

RZB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RZB has more shares outstanding
Compared to 5 years ago, RZB has more shares outstanding
Compared to 1 year ago, RZB has an improved debt to assets ratio.
RZB Yearly Shares OutstandingRZB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RZB Yearly Total Debt VS Total AssetsRZB 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

The Debt to FCF ratio of RZB is 1.17, which is an excellent value as it means it would take RZB, only 1.17 years of fcf income to pay off all of its debts.
RZB has a Debt to FCF ratio of 1.17. This is in the better half of the industry: RZB outperforms 61.64% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that RZB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.48, RZB is not doing good in the industry: 64.38% of the companies in the same industry are doing better.
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 RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.17
Altman-Z N/A
ROIC/WACCN/A
WACC6.2%
RZB Yearly LT Debt VS Equity VS FCFRZB 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

More info and screens

4

3. Growth

3.1 Past

RZB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.38%.
The Earnings Per Share has been growing by 11.09% on average over the past years. This is quite good.
The Revenue has been growing slightly by 1.87% in the past year.
Measured over the past years, RZB shows a quite strong growth in Revenue. The Revenue has been growing by 9.06% on average per year.
EPS 1Y (TTM)-1.38%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-13.87%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%

3.2 Future

The Earnings Per Share is expected to grow by 7.67% on average over the next years.
Based on estimates for the next years, RZB will show a small growth in Revenue. The Revenue will grow by 7.55% on average per year.
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue Next Year1.37%
Revenue Next 2Y5.61%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.
RZB Yearly Revenue VS EstimatesRZB 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
RZB Yearly EPS VS EstimatesRZB 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

More info and screens

7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 1.15, the valuation of RZB can be described as very cheap.
Based on the Price/Earnings ratio, RZB is valued cheaply inside the industry as 95.89% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of RZB to the average of the S&P500 Index (26.90), we can say RZB is valued rather cheaply.
The Price/Forward Earnings ratio is 0.96, which indicates a rather cheap valuation of RZB.
Based on the Price/Forward Earnings ratio, RZB is valued cheaply inside the industry as 96.58% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, RZB is valued rather cheaply.
Industry RankSector Rank
PE 1.15
Fwd PE 0.96
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

RZB's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RZB is cheaper than 97.95% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.33
EV/EBITDA 1.26
RZB Per share dataRZB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y6.66%
EPS Next 3Y7.15%

More info and screens

5

5. Dividend

5.1 Amount

RZB has a Yearly Dividend Yield of 1.92%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.24, RZB has a dividend in line with its industry peers.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 1.92%

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
RZB Yearly Dividends per shareRZB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

RZB pays out 30.52% 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.
DP30.52%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
RZB Yearly Income VS Free CF VS DividendRZB 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
RZB Dividend Payout.RZB Dividend Payout, showing the Payout Ratio.RZB Dividend Payout.PayoutRetained Earnings

More info and screens

REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56

NYSE:RZB (9/2/2025, 8:04:00 PM)

24.77

+0.07 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-31 2025-07-31/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners100.3%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.64B
Analysts77.33
Price Target30.93 (24.87%)
Short Float %0.52%
Short Ratio3.11
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP30.52%
Div Incr Years0
Div Non Decr Years0
Ex-Date08-29 2025-08-29 (0.359375)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.34%
Min EPS beat(2)-16.11%
Max EPS beat(2)5.42%
EPS beat(4)2
Avg EPS beat(4)-0.61%
Min EPS beat(4)-16.11%
Max EPS beat(4)14.34%
EPS beat(8)6
Avg EPS beat(8)8.64%
EPS beat(12)9
Avg EPS beat(12)14.73%
EPS beat(16)11
Avg EPS beat(16)9.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.37%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-2.37%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.73%
Revenue beat(12)7
Avg Revenue beat(12)4.39%
Revenue beat(16)9
Avg Revenue beat(16)3.66%
PT rev (1m)-3.03%
PT rev (3m)-0.01%
EPS NQ rev (1m)-2.8%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)-4.07%
EPS NY rev (3m)-4.38%
Revenue NQ rev (1m)-2.43%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)-1.03%
Revenue NY rev (3m)-0.43%
Valuation
Industry RankSector Rank
PE 1.15
Fwd PE 0.96
P/S 0.08
P/FCF 0.33
P/OCF 0.33
P/B 0.14
P/tB 0.14
EV/EBITDA 1.26
EPS(TTM)21.5
EY86.8%
EPS(NY)25.73
Fwd EY103.89%
FCF(TTM)74.38
FCFY300.3%
OCF(TTM)74.38
OCFY300.3%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.1
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 6.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 6.9%
PM (TTM) 3.54%
GM N/A
FCFM 22.59%
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-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 1.17
Debt/EBITDA 3.71
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.67
Cash Conversion 317.78%
Profit Quality 638.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.2%
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)-1.38%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-13.87%
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year1.37%
Revenue Next 2Y5.61%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%
EBIT growth 1Y8.69%
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 1Y69.87%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y68.41%
OCF growth 3Y30.85%
OCF growth 5Y32.35%