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REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis

USA - NYSE:RZC - US7593518852

26.11 USD
-0.04 (-0.15%)
Last: 9/24/2025, 8:04:01 PM
Fundamental Rating

4

RZC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. RZC may be in some trouble as it scores bad on both profitability and health. RZC 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

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.
RZC Yearly Net Income VS EBIT VS OCF VS FCFRZC 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 RZC (0.58%) is worse than 65.07% of its industry peers.
RZC has a worse Return On Equity (6.39%) than 67.12% of its industry peers.
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
RZC Yearly ROA, ROE, ROICRZC 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 3.54%, RZC is doing worse than 69.18% of the companies in the same industry.
RZC's Profit Margin has declined in the last couple of years.
RZC has a worse Operating Margin (6.90%) than 67.12% of its industry peers.
RZC'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
RZC Yearly Profit, Operating, Gross MarginsRZC 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

RZC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RZC has been increased compared to 1 year ago.
The number of shares outstanding for RZC has been increased compared to 5 years ago.
The debt/assets ratio for RZC has been reduced compared to a year ago.
RZC Yearly Shares OutstandingRZC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RZC Yearly Total Debt VS Total AssetsRZC 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 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.
RZC's Debt to FCF ratio of 1.17 is fine compared to the rest of the industry. RZC outperforms 60.96% of its industry peers.
RZC has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.48, RZC is not doing good in the industry: 65.07% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for RZC, 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
WACC5.92%
RZC Yearly LT Debt VS Equity VS FCFRZC 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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4

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.
Looking at the last year, RZC shows a small growth in Revenue. The Revenue has grown by 1.87% in the last year.
Measured over the past years, RZC 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, RZC will show a small growth in Earnings Per Share. The EPS will grow by 7.67% on average per year.
Based on estimates for the next years, RZC will show a small growth in Revenue. The Revenue will grow by 7.55% on average per year.
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue Next Year1.14%
Revenue Next 2Y5.58%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.
RZC Yearly Revenue VS EstimatesRZC 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
RZC Yearly EPS VS EstimatesRZC 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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7

4. Valuation

4.1 Price/Earnings Ratio

RZC is valuated cheaply with a Price/Earnings ratio of 1.21.
95.21% of the companies in the same industry are more expensive than RZC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RZC to the average of the S&P500 Index (27.29), we can say RZC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.01, the valuation of RZC can be described as very cheap.
95.21% of the companies in the same industry are more expensive than RZC, based on the Price/Forward Earnings ratio.
RZC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.80.
Industry RankSector Rank
PE 1.21
Fwd PE 1.01
RZC Price Earnings VS Forward Price EarningsRZC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 97.26% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, RZC is valued cheaply inside the industry as 99.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.35
EV/EBITDA 1.32
RZC Per share dataRZC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2Y6.66%
EPS Next 3Y7.15%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.97%, RZC has a reasonable but not impressive dividend return.
RZC's Dividend Yield is comparable with the industry average which is at 3.44.
RZC's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.97%

5.2 History

On average, the dividend of RZC grows each year by 6.13%, which is quite nice.
RZC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)6.13%
Div Incr Years0
Div Non Decr Years0
RZC Yearly Dividends per shareRZC Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5 2

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 2Y6.66%
EPS Next 3Y7.15%
RZC Yearly Income VS Free CF VS DividendRZC 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
RZC Dividend Payout.RZC Dividend Payout, showing the Payout Ratio.RZC Dividend Payout.PayoutRetained Earnings

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REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52

NYSE:RZC (9/24/2025, 8:04:01 PM)

26.11

-0.04 (-0.15%)

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 Cap1.73B
Analysts77.33
Price Target31.72 (21.49%)
Short Float %0.08%
Short Ratio1.45
Dividend
Industry RankSector Rank
Dividend Yield 1.97%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP30.52%
Div Incr Years0
Div Non Decr Years0
Ex-Date10-01 2025-10-01 (0.4453)
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)-9.16%
PT rev (3m)-1.91%
EPS NQ rev (1m)0.71%
EPS NQ rev (3m)-2.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.12%
Revenue NQ rev (1m)-0.69%
Revenue NQ rev (3m)-2.35%
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-1.22%
Valuation
Industry RankSector Rank
PE 1.21
Fwd PE 1.01
P/S 0.08
P/FCF 0.35
P/OCF 0.35
P/B 0.14
P/tB 0.14
EV/EBITDA 1.32
EPS(TTM)21.5
EY82.34%
EPS(NY)25.73
Fwd EY98.55%
FCF(TTM)74.38
FCFY284.88%
OCF(TTM)74.38
OCFY284.88%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
PEG (5Y)0.11
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
WACC5.92%
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-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year1.14%
Revenue Next 2Y5.58%
Revenue Next 3Y6.71%
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%