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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

24.81  0 (-0.01%)

Fundamental Rating

4

RZB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 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


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years RZB has 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 62.24% of its industry peers.
With a Return On Equity value of 6.39%, RZB is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
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

RZB's Profit Margin of 3.54% is on the low side compared to the rest of the industry. RZB is outperformed by 66.43% of its industry peers.
In the last couple of years the Profit Margin of RZB has declined.
RZB has a Operating Margin of 6.90%. This is in the lower half of the industry: RZB underperforms 65.03% 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

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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.
Compared to 1 year ago, RZB has more shares outstanding
Compared to 5 years ago, RZB has more shares outstanding
The debt/assets ratio for RZB has been reduced compared to a year ago.
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 (1.17) which is comparable to the rest of the industry.
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: 62.94% 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
WACC5.8%
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

The earnings per share for RZB have decreased by -1.38% in the last year.
RZB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
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

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.
RZB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue Next Year2.43%
Revenue Next 2Y6.28%
Revenue Next 3Y6.57%
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

A Price/Earnings ratio of 1.15 indicates a rather cheap valuation of RZB.
RZB's Price/Earnings ratio is rather cheap when compared to the industry. RZB is cheaper than 95.80% of the companies in the same industry.
RZB is valuated cheaply when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
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 cheaper than 96.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.87, 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 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RZB is valued cheaply inside the industry as 97.90% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, RZB is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.33
EV/EBITDA 1.27
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)0.39
PEG (5Y)0.1
EPS Next 2Y6.8%
EPS Next 3Y7.17%

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5

5. Dividend

5.1 Amount

RZB has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
RZB's Dividend Yield is comparable with the industry average which is at 3.35.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.04%

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

30.52% of the earnings are spent on dividend by RZB. This is a low number and sustainable payout ratio.
RZB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.52%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
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 (8/12/2025, 4:10:02 PM)

24.81

0 (-0.01%)

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 Target33.7 (35.83%)
Short Float %0.52%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
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)8.56%
PT rev (3m)8.93%
EPS NQ rev (1m)-0.39%
EPS NQ rev (3m)0.61%
EPS NY rev (1m)0%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)2.97%
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.6%
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 1.27
EPS(TTM)21.5
EY86.66%
EPS(NY)25.8
Fwd EY104%
FCF(TTM)74.38
FCFY299.81%
OCF(TTM)74.38
OCFY299.81%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)0.39
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
WACC5.8%
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 Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year2.43%
Revenue Next 2Y6.28%
Revenue Next 3Y6.57%
Revenue Next 5Y7.79%
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%