REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RZB - US7593518027
25.04 USD
+0.04 (+0.16%)
25.07 USD
+0.03 (+0.12%)
Taking everything into account, RZB scores 4 out of 10 in our fundamental rating. RZB was compared to 146 industry peers in the Insurance industry. RZB may be in some trouble as it scores bad on both profitability and health. RZB may be a bit undervalued, certainly considering the very reasonable score on growth Finally RZB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- RZB had positive earnings in the past year.
- RZB had a positive operating cash flow in the past year.
- In the past 5 years RZB has always been profitable.
- In the past 5 years RZB always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.57%, RZB is not doing good in the industry: 67.81% of the companies in the same industry are doing better.
- With a Return On Equity value of 6.68%, RZB is not doing good in the industry: 71.23% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| 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
- RZB has a worse Profit Margin (3.89%) than 69.18% of its industry peers.
- RZB's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 7.39%, RZB is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
- RZB's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| 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.
- Compared to 1 year ago, RZB has more shares outstanding
- The number of shares outstanding for RZB has been increased compared to 5 years ago.
- Compared to 1 year ago, RZB has an improved debt to assets ratio.
2.2 Solvency
- RZB has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
- RZB has a Debt to FCF ratio of 1.18. This is in the better half of the industry: RZB outperforms 67.81% of its industry peers.
- RZB has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
- RZB has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: RZB underperforms 62.33% of its industry peers.
- Although RZB 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RZB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.77%.
- RZB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
- RZB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.01%.
- 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)-2.77%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%3.92%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
3.2 Future
- RZB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.50% yearly.
- RZB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.07% yearly.
EPS Next Y-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
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
- 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 (27.54), we can say RZB is valued rather cheaply.
- With a Price/Forward Earnings ratio of 0.96, the valuation of RZB can be described as very cheap.
- 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 24.31, RZB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 93.84% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, RZB is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.62 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.4%
EPS Next 3Y8.07%
5. Dividend
5.1 Amount
- RZB has a Yearly Dividend Yield of 5.76%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.42, RZB pays a better dividend. On top of this RZB pays more dividend than 89.04% of the companies listed in the same industry.
- RZB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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
- 27.34% of the earnings are spent on dividend by RZB. This is a low number and sustainable payout ratio.
- The dividend of RZB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.34%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (1/15/2026, 8:15:23 PM)
After market: 25.07 +0.03 (+0.12%)25.04
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)02-05 2026-02-05/amc
Inst Owners99.74%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.29
Price Target29.19 (16.57%)
Short Float %0.94%
Short Ratio10.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.58%
Min EPS beat(2)-16.11%
Max EPS beat(2)8.95%
EPS beat(4)2
Avg EPS beat(4)-1.96%
Min EPS beat(4)-16.11%
Max EPS beat(4)8.95%
EPS beat(8)6
Avg EPS beat(8)6.13%
EPS beat(12)9
Avg EPS beat(12)9.49%
EPS beat(16)12
Avg EPS beat(16)19.04%
Revenue beat(2)1
Avg Revenue beat(2)0.71%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)3.8%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)5.03%
Revenue beat(12)7
Avg Revenue beat(12)4.65%
Revenue beat(16)9
Avg Revenue beat(16)3.59%
PT rev (1m)-5.83%
PT rev (3m)-6.11%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)1.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 | ||
| P/S | 0.07 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.62 |
EPS(TTM)21.74
EY86.82%
EPS(NY)26.09
Fwd EY104.19%
FCF(TTM)73.64
FCFY294.1%
OCF(TTM)73.64
OCFY294.1%
SpS339.57
BVpS197.5
TBVpS197.5
PEG (NY)N/A
PEG (5Y)0.1
Graham Number310.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| GM | N/A | ||
| FCFM | 21.69% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Debt/EBITDA | 3.38 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.49 | ||
| Cash Conversion | 285.49% | ||
| Profit Quality | 558.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.05%
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)-2.77%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%3.92%
EPS Next Y-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
EBIT growth 1Y32.98%
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 1Y58.24%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y56.91%
OCF growth 3Y30.85%
OCF growth 5Y32.35%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 / RZB FAQ
What is the fundamental rating for RZB stock?
ChartMill assigns a fundamental rating of 4 / 10 to RZB.
What is the valuation status of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) stock?
ChartMill assigns a valuation rating of 7 / 10 to REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB). This can be considered as Undervalued.
Can you provide the profitability details for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56?
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) has a profitability rating of 2 / 10.
What are the PE and PB ratios of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) stock?
The Price/Earnings (PE) ratio for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 1.15 and the Price/Book (PB) ratio is 0.13.
Can you provide the financial health for RZB stock?
The financial health rating of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is 3 / 10.