REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RZC - US7593518852
25.42 USD
-0.01 (-0.04%)
RZC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. RZC has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZC. Finally RZC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RZC was profitable.
In the past year RZC had a positive cash flow from operations.
Each year in the past 5 years RZC has been profitable.
RZC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of RZC (0.57%) is worse than 68.49% of its industry peers.
With a Return On Equity value of 6.68%, RZC is not doing good in the industry: 71.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| 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
RZC has a Profit Margin of 3.89%. This is in the lower half of the industry: RZC underperforms 69.86% of its industry peers.
RZC's Profit Margin has declined in the last couple of years.
RZC's Operating Margin of 7.39% is on the low side compared to the rest of the industry. RZC is outperformed by 69.18% of its industry peers.
In the last couple of years the Operating Margin of RZC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| 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.
RZC has more shares outstanding than it did 1 year ago.
RZC has more shares outstanding than it did 5 years ago.
RZC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of RZC is 1.18, which is an excellent value as it means it would take RZC, only 1.18 years of fcf income to pay off all of its debts.
RZC has a Debt to FCF ratio of 1.18. This is in the better half of the industry: RZC outperforms 67.12% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that RZC is not too dependend on debt financing.
RZC has a worse Debt to Equity ratio (0.44) than 63.01% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.07%
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 -2.77% 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 2.01% in the last year.
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)-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
RZC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.50% yearly.
The Revenue is expected to grow by 8.07% on average over the next years. This is quite good.
EPS Next Y-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
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 stable.
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
RZC is valuated cheaply with a Price/Earnings ratio of 1.17.
Based on the Price/Earnings ratio, RZC is valued cheaper than 95.21% of the companies in the same industry.
RZC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
A Price/Forward Earnings ratio of 0.97 indicates a rather cheap valuation of RZC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 95.21% 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 (24.04), we can say RZC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 0.97 |
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 93.15% of the companies listed in the same industry.
RZC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZC is cheaper than 99.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.35 | ||
| EV/EBITDA | 1.64 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2Y7.4%
EPS Next 3Y8.07%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.76%, RZC is a good candidate for dividend investing.
RZC's Dividend Yield is rather good when compared to the industry average which is at 2.42. RZC pays more dividend than 88.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, RZC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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
5.3 Sustainability
RZC pays out 27.34% of its income as dividend. This is a sustainable payout ratio.
RZC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.34%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (1/13/2026, 8:04:00 PM)
25.42
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.74%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.67B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.29
Price Target30.22 (18.88%)
Short Float %0.09%
Short Ratio2.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.58%
Min EPS beat(2)-16.11%
Max EPS beat(2)8.95%
EPS beat(4)2
Avg EPS beat(4)-1.96%
Min EPS beat(4)-16.11%
Max EPS beat(4)8.95%
EPS beat(8)6
Avg EPS beat(8)6.13%
EPS beat(12)9
Avg EPS beat(12)9.49%
EPS beat(16)12
Avg EPS beat(16)19.04%
Revenue beat(2)1
Avg Revenue beat(2)0.71%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)3.8%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)5.03%
Revenue beat(12)7
Avg Revenue beat(12)4.65%
Revenue beat(16)9
Avg Revenue beat(16)3.59%
PT rev (1m)-5.24%
PT rev (3m)-7.1%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)1.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.23%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 0.97 | ||
| P/S | 0.07 | ||
| P/FCF | 0.35 | ||
| P/OCF | 0.35 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.64 |
EPS(TTM)21.74
EY85.52%
EPS(NY)26.09
Fwd EY102.64%
FCF(TTM)73.64
FCFY289.7%
OCF(TTM)73.64
OCFY289.7%
SpS339.57
BVpS197.5
TBVpS197.5
PEG (NY)N/A
PEG (5Y)0.11
Graham Number310.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| GM | N/A | ||
| FCFM | 21.69% |
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 Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Debt/EBITDA | 3.38 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.49 | ||
| Cash Conversion | 285.49% | ||
| Profit Quality | 558.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.07%
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-4.85%
EPS Next 2Y7.4%
EPS Next 3Y8.07%
EPS Next 5Y9.5%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year3.32%
Revenue Next 2Y6.78%
Revenue Next 3Y6.45%
Revenue Next 5Y8.07%
EBIT growth 1Y32.98%
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 1Y58.24%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y56.91%
OCF growth 3Y30.85%
OCF growth 5Y32.35%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 / RZC FAQ
What is the fundamental rating for RZC stock?
ChartMill assigns a fundamental rating of 4 / 10 to RZC.
What is the valuation status for RZC stock?
ChartMill assigns a valuation rating of 7 / 10 to REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC). This can be considered as Undervalued.
What is the profitability of RZC stock?
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for RZC stock?
The Price/Earnings (PE) ratio for REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) is 1.17 and the Price/Book (PB) ratio is 0.13.
How sustainable is the dividend of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) stock?
The dividend rating of REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) is 7 / 10 and the dividend payout ratio is 27.34%.