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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

24.69  +0.05 (+0.2%)

Fundamental Rating

4

Overall RZB gets a fundamental rating of 4 out of 10. We evaluated RZB against 144 industry peers in the Insurance industry. Both the profitability and financial health of RZB have multiple concerns. RZB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year RZB was profitable.
RZB had a positive operating cash flow in the past year.
Each year in the past 5 years RZB has been profitable.
RZB had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of RZB (0.62%) is worse than 64.58% of its industry peers.
With a Return On Equity value of 6.95%, RZB is not doing good in the industry: 67.36% of the companies in the same industry are doing better.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 3.77%, RZB is doing worse than 67.36% of the companies in the same industry.
In the last couple of years the Profit Margin of RZB has declined.
RZB has a Operating Margin of 6.57%. This is in the lower half of the industry: RZB underperforms 65.28% of its industry peers.
In the last couple of years the Operating Margin of RZB has declined.
Industry RankSector 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
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

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3

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.
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 1.13, 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.
RZB's Debt to FCF ratio of 1.13 is fine compared to the rest of the industry. RZB outperforms 62.50% of its industry peers.
RZB has a Debt/Equity ratio of 0.50. This is a neutral value indicating RZB is somewhat dependend on debt financing.
RZB's Debt to Equity ratio of 0.50 is on the low side compared to the rest of the industry. RZB is outperformed by 63.89% of its industry peers.
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 0.5
Debt/FCF 1.13
Altman-Z N/A
ROIC/WACCN/A
WACC6.64%
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

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5

3. Growth

3.1 Past

RZB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.43%.
Measured over the past years, RZB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.09% on average per year.
RZB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.11%.
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 Y3%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
EPS Next 5Y8.9%
Revenue Next Year2.39%
Revenue Next 2Y6.26%
Revenue Next 3Y7.29%
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.
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

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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.11, which indicates a rather cheap valuation of RZB.
Compared to the rest of the industry, the Price/Earnings ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 94.44% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.65. RZB is valued rather cheaply when compared to this.
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 95.83% of the companies in the same industry.
RZB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.27.
Industry RankSector Rank
PE 1.11
Fwd PE 0.96
RZB Price Earnings VS Forward Price EarningsRZB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

96.53% of the companies in the same industry are more expensive than RZB, based on the Enterprise Value to EBITDA ratio.
100.00% of the companies in the same industry are more expensive than RZB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.32
EV/EBITDA 1.55
RZB Per share dataRZB 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)0.37
PEG (5Y)0.1
EPS Next 2Y6.74%
EPS Next 3Y7.98%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.82%, RZB has a reasonable but not impressive dividend return.
RZB's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to the average S&P500 Dividend Yield of 2.44, RZB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.82%

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

29.26% 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.
DP29.26%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
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

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

NYSE:RZB (6/24/2025, 11:35:08 AM)

24.69

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners99.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.63B
Analysts77.33
Price Target31.04 (25.72%)
Short Float %0.12%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 1.82%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP29.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-30 2025-05-30 (0.359375)
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)0.34%
PT rev (3m)-2.18%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-3.01%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)2.34%
Valuation
Industry RankSector Rank
PE 1.11
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 1.55
EPS(TTM)22.26
EY90.16%
EPS(NY)25.77
Fwd EY104.39%
FCF(TTM)76.61
FCFY310.28%
OCF(TTM)76.61
OCFY310.28%
SpS318.57
BVpS172.52
TBVpS172.52
PEG (NY)0.37
PEG (5Y)0.1
Profitability
Industry RankSector 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 RankSector 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
WACC6.64%
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 Y3%
EPS Next 2Y6.74%
EPS Next 3Y7.98%
EPS Next 5Y8.9%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
Revenue Next Year2.39%
Revenue Next 2Y6.26%
Revenue Next 3Y7.29%
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%