REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) Stock Fundamental Analysis
USA - NYSE:RZB - US7593518027
24.9552 USD
+0.04 (+0.14%)
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 has a bad profitability rating. Also its financial health evaluation is rather negative. RZB may be a bit undervalued, certainly considering the very reasonable score on growth
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.
RZB had positive earnings in each of the past 5 years.
Each year in the past 5 years RZB had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RZB (0.58%) is worse than 67.12% of its industry peers.
RZB has a Return On Equity of 6.39%. This is in the lower half of the industry: RZB underperforms 69.86% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
RZB has a worse Profit Margin (3.54%) than 73.29% of its industry peers.
In the last couple of years the Profit Margin of RZB has declined.
With a Operating Margin value of 6.90%, RZB is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of RZB has declined.
| Industry Rank | Sector 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
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.
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 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.17, RZB is in the better half of the industry, outperforming 63.01% of the companies in the same industry.
RZB has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
RZB has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: RZB underperforms 63.01% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 1.17 | ||
| 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
RZB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.77%.
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.
The Revenue has been growing slightly by 2.01% in the past year.
RZB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
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 8.11% yearly.
The Revenue is expected to grow by 7.50% on average over the next years.
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 94.52% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, RZB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.96, the valuation of RZB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RZB indicates a rather cheap valuation: RZB is cheaper than 96.58% of the companies listed 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 32.73.
| 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 97.95% of the companies listed in the same industry.
RZB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZB is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.27 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y7.25%
EPS Next 3Y7.95%
5. Dividend
5.1 Amount
RZB has a Yearly Dividend Yield of 1.95%.
RZB's Dividend Yield is comparable with the industry average which is at 3.38.
RZB's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
5.2 History
On average, the dividend of RZB grows each year by 6.13%, which is quite nice.
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 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 2Y7.25%
EPS Next 3Y7.95%
REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56
NYSE:RZB (11/7/2025, 8:16:13 PM)
24.9552
+0.04 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.9%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)22.31B
Net Income(TTM)770.00M
Analysts74.67
Price Target32.3 (29.43%)
Short Float %0.29%
Short Ratio4.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP30.52%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)3.89%
PT rev (3m)-4.16%
EPS NQ rev (1m)-1.05%
EPS NQ rev (3m)-2.2%
EPS NY rev (1m)-2.17%
EPS NY rev (3m)-6.54%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)1.64%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 0.96 | ||
| P/S | 0.08 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)21.74
EY87.12%
EPS(NY)26.02
Fwd EY104.26%
FCF(TTM)74.38
FCFY298.07%
OCF(TTM)74.38
OCFY298.07%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.1
Graham Number298.68
Profitability
| Industry Rank | Sector 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
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 Turnover0.16
Health
| Industry Rank | Sector 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
WACC5.96%
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)-2.77%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%3.92%
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
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%
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 for 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 is the valuation of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 based on its PE and PB ratios?
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 0.14.
What is the earnings growth outlook for REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56?
The Earnings per Share (EPS) of REINSURANCE GRP OF AMER - RGA 5 3/4 06/15/56 (RZB) is expected to decline by -3.8% in the next year.