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

NYSE:RZC • US7593518852

25.58 USD
-0.11 (-0.43%)
Last: Mar 9, 2026, 04:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This RZC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

RZC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and financial health of RZC have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZC.


Dividend Valuation Growth Profitability Health

3

1. RZC Profitability Analysis

1.1 Basic Checks

  • In the past year RZC was profitable.
  • RZC had a positive operating cash flow in the past year.
  • In the past 5 years RZC has always been profitable.
  • RZC had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • RZC has a worse Return On Assets (0.75%) than 64.43% of its industry peers.
  • RZC's Return On Equity of 8.78% is in line compared to the rest of the industry. RZC outperforms 43.62% of its industry peers.
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
RZC Yearly ROA, ROE, ROICRZC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • RZC has a Profit Margin of 4.99%. This is in the lower half of the industry: RZC underperforms 61.07% of its industry peers.
  • RZC's Profit Margin has improved in the last couple of years.
  • The Operating Margin of RZC (8.63%) is worse than 64.43% of its industry peers.
  • In the last couple of years the Operating Margin of RZC has grown nicely.
Industry RankSector Rank
OM 8.63%
PM (TTM) 4.99%
GM N/A
OM growth 3Y15.53%
OM growth 5Y10.63%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
RZC Yearly Profit, Operating, Gross MarginsRZC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RZC Health Analysis

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 less shares outstanding
  • Compared to 5 years ago, RZC has less shares outstanding
  • Compared to 1 year ago, RZC has an improved debt to assets ratio.
RZC Yearly Shares OutstandingRZC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
RZC Yearly Total Debt VS Total AssetsRZC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of RZC is 1.40, which is an excellent value as it means it would take RZC, only 1.40 years of fcf income to pay off all of its debts.
  • RZC has a Debt to FCF ratio (1.40) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.42 indicates that RZC is not too dependend on debt financing.
  • RZC's Debt to Equity ratio of 0.42 is on the low side compared to the rest of the industry. RZC is outperformed by 61.74% of its industry peers.
  • Although RZC's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Altman-Z N/A
ROIC/WACCN/A
WACC5.82%
RZC Yearly LT Debt VS Equity VS FCFRZC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RZC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.31% over the past year.
  • The Earnings Per Share has been growing by 26.81% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 7.16% in the past year.
  • The Revenue has been growing by 10.15% on average over the past years. This is quite good.
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%

3.2 Future

  • Based on estimates for the next years, RZC will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.22% on average per year.
  • RZC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.25% yearly.
EPS Next Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue Next Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
Revenue Next 5Y9.25%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • 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.
RZC Yearly Revenue VS EstimatesRZC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
RZC Yearly EPS VS EstimatesRZC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30

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Find the best growth stocksShow best growing peers

8

4. RZC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.04, the valuation of RZC can be described as very cheap.
  • Based on the Price/Earnings ratio, RZC is valued cheaply inside the industry as 95.30% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, RZC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 0.97 indicates a rather cheap valuation of RZC.
  • 95.30% 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 24.60.
Industry RankSector Rank
PE 1.04
Fwd PE 0.97
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

  • Based on the Enterprise Value to EBITDA ratio, RZC is valued cheaply inside the industry as 94.63% of the companies are valued more expensively.
  • 99.33% of the companies in the same industry are more expensive than RZC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.41
EV/EBITDA 1.55
RZC Per share dataRZC 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)0.14
PEG (5Y)0.04
EPS Next 2Y8.39%
EPS Next 3Y9.35%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RZC Dividend Analysis

5.1 Amount

  • RZC has a Yearly Dividend Yield of 5.76%, which is a nice return.
  • RZC's Dividend Yield is a higher than the industry average which is at 2.89.
  • Compared to an average S&P500 Dividend Yield of 1.82, RZC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.76%

5.2 History

  • The dividend of RZC has a limited annual growth rate of 5.63%.
  • RZC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)5.63%
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

  • 20.30% of the earnings are spent on dividend by RZC. This is a low number and sustainable payout ratio.
  • RZC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP20.3%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
RZC Yearly Income VS Free CF VS DividendRZC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
RZC Dividend Payout.RZC Dividend Payout, showing the Payout Ratio.RZC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

RZC Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:RZC (3/9/2026, 4:15:00 PM)

25.58

-0.11 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.38%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.68B
Revenue(TTM)23.71B
Net Income(TTM)1.18B
Analysts74.29
Price Target28.96 (13.21%)
Short Float %0.08%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 5.76%
Yearly Dividend3.65
Dividend Growth(5Y)5.63%
DP20.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.22%
Min EPS beat(2)8.95%
Max EPS beat(2)33.5%
EPS beat(4)3
Avg EPS beat(4)7.94%
Min EPS beat(4)-16.11%
Max EPS beat(4)33.5%
EPS beat(8)6
Avg EPS beat(8)9.7%
EPS beat(12)10
Avg EPS beat(12)14%
EPS beat(16)13
Avg EPS beat(16)31.89%
Revenue beat(2)2
Avg Revenue beat(2)3.73%
Min Revenue beat(2)3.67%
Max Revenue beat(2)3.8%
Revenue beat(4)2
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)4.4%
Revenue beat(12)7
Avg Revenue beat(12)4.81%
Revenue beat(16)9
Avg Revenue beat(16)3.48%
PT rev (1m)-1.99%
PT rev (3m)-9.21%
EPS NQ rev (1m)3.96%
EPS NQ rev (3m)1.39%
EPS NY rev (1m)1.33%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)1.06%
Revenue NY rev (3m)-0.47%
Valuation
Industry RankSector Rank
PE 1.04
Fwd PE 0.97
P/S 0.07
P/FCF 0.41
P/OCF 0.41
P/B 0.12
P/tB 0.12
EV/EBITDA 1.55
EPS(TTM)24.5
EY95.78%
EPS(NY)26.34
Fwd EY102.96%
FCF(TTM)62.4
FCFY243.94%
OCF(TTM)62.4
OCFY243.94%
SpS361.61
BVpS205.32
TBVpS205.32
PEG (NY)0.14
PEG (5Y)0.04
Graham Number336.43
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.63%
PM (TTM) 4.99%
GM N/A
FCFM 17.26%
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
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 3Y15.53%
OM growth 5Y10.63%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 1.4
Debt/EBITDA 2.73
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.02
Cash Conversion 195.93%
Profit Quality 346.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.82%
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)700.43%
Profit Quality(5y)542.41%
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y7.49%
EPS Next 2Y8.39%
EPS Next 3Y9.35%
EPS Next 5Y10.22%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
Revenue Next 5Y9.25%
EBIT growth 1Y58.04%
EBIT growth 3Y30.98%
EBIT growth 5Y21.86%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-56.34%
FCF growth 3Y45.87%
FCF growth 5Y4.43%
OCF growth 1Y-56.34%
OCF growth 3Y44.96%
OCF growth 5Y4.25%

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 5 / 10 to RZC.


What is the valuation status for RZC stock?

ChartMill assigns a valuation rating of 8 / 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 3 / 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 1.04 and the Price/Book (PB) ratio is 0.12.


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 6 / 10 and the dividend payout ratio is 20.3%.