REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis
USA - NYSE:RZC - US7593518852
25.44 USD
-0.08 (-0.31%)
Taking everything into account, RZC scores 4 out of 10 in our fundamental rating. RZC was compared to 145 industry peers in the Insurance industry. Both the profitability and financial health of RZC have multiple concerns. RZC is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
RZC had positive earnings in the past year.
RZC had a positive operating cash flow in the past year.
Each year in the past 5 years RZC has been profitable.
Each year in the past 5 years RZC had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.58%, RZC is not doing good in the industry: 67.59% of the companies in the same industry are doing better.
With a Return On Equity value of 6.39%, RZC is not doing good in the industry: 66.90% of the companies in the same industry are doing better.
| 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
Looking at the Profit Margin, with a value of 3.54%, RZC is doing worse than 70.34% of the companies in the same industry.
RZC's Profit Margin has declined in the last couple of years.
RZC's Operating Margin of 6.90% is on the low side compared to the rest of the industry. RZC is outperformed by 68.97% of its industry peers.
In the last couple of years the Operating Margin of RZC 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
RZC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RZC has more shares outstanding
Compared to 5 years ago, RZC has more shares outstanding
The debt/assets ratio for RZC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RZC is 1.17, which is an excellent value as it means it would take RZC, only 1.17 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.17, RZC is doing good in the industry, outperforming 61.38% of the companies in the same industry.
RZC has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
RZC has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: RZC underperforms 65.52% of its industry peers.
Although RZC 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 | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RZC have decreased by -1.38% in the last year.
RZC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
RZC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.87%.
RZC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.06% yearly.
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.
The Revenue is expected to grow by 7.55% on average over the next years.
EPS Next Y-1.67%
EPS Next 2Y6.58%
EPS Next 3Y7%
EPS Next 5Y7.67%
Revenue Next Year1.28%
Revenue Next 2Y5.55%
Revenue Next 3Y6.6%
Revenue Next 5Y7.55%
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.
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 1.18, the valuation of RZC can be described as very cheap.
94.48% of the companies in the same industry are more expensive than RZC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.29. RZC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 0.99, the valuation of RZC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 95.86% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RZC to the average of the S&P500 Index (22.85), we can say RZC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.18 | ||
| Fwd PE | 0.99 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZC is valued cheaper than 97.24% of the companies in the same industry.
RZC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZC is cheaper than 99.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.34 | ||
| EV/EBITDA | 1.29 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2Y6.58%
EPS Next 3Y7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.91%, RZC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.54, RZC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, RZC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
On average, the dividend of RZC grows each year by 6.13%, which is quite nice.
RZC has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)6.13%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
RZC pays out 30.52% of its income as dividend. This is a sustainable payout ratio.
The dividend of RZC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.52%
EPS Next 2Y6.58%
EPS Next 3Y7%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (10/16/2025, 8:14:18 PM)
25.44
-0.08 (-0.31%)
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 Cap1.68B
Analysts75.71
Price Target32.54 (27.91%)
Short Float %0.08%
Short Ratio1.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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)1.83%
PT rev (3m)0.6%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-1.55%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.59%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-1.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.18 | ||
| Fwd PE | 0.99 | ||
| P/S | 0.08 | ||
| P/FCF | 0.34 | ||
| P/OCF | 0.34 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.29 |
EPS(TTM)21.5
EY84.51%
EPS(NY)25.7
Fwd EY101.01%
FCF(TTM)74.38
FCFY292.39%
OCF(TTM)74.38
OCFY292.39%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.11
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
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 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
WACC5.72%
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-1.67%
EPS Next 2Y6.58%
EPS Next 3Y7%
EPS Next 5Y7.67%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year1.28%
Revenue Next 2Y5.55%
Revenue Next 3Y6.6%
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%