REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis
NYSE:RZC - New York Stock Exchange, Inc. - US7593518852 - Currency: USD
Overall RZC gets a fundamental rating of 4 out of 10. We evaluated RZC against 145 industry peers in the Insurance industry. RZC has a bad profitability rating. Also its financial health evaluation is rather negative. RZC may be a bit undervalued, certainly considering the very reasonable score on growth
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.
Each year in the past 5 years RZC had a positive operating cash flow.
1.2 Ratios
RZC has a Return On Assets of 0.62%. This is in the lower half of the industry: RZC underperforms 64.83% of its industry peers.
RZC has a Return On Equity of 6.95%. This is in the lower half of the industry: RZC underperforms 67.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.95% | ||
| 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's Profit Margin of 3.77% is on the low side compared to the rest of the industry. RZC is outperformed by 67.59% of its industry peers.
RZC's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 6.57%, RZC is doing worse than 66.21% of the companies in the same industry.
RZC's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.57% | ||
| PM (TTM) | 3.77% | ||
| 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.
The number of shares outstanding for RZC has been increased compared to 1 year ago.
Compared to 5 years ago, RZC has more shares outstanding
RZC has a better debt/assets ratio than last year.
2.2 Solvency
RZC has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
RZC has a Debt to FCF ratio of 1.13. This is in the better half of the industry: RZC outperforms 62.07% of its industry peers.
RZC has a Debt/Equity ratio of 0.50. This is a neutral value indicating RZC is somewhat dependend on debt financing.
RZC's Debt to Equity ratio of 0.50 is on the low side compared to the rest of the industry. RZC is outperformed by 64.83% 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 | 0.5 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RZC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.43%.
RZC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
The Revenue has been growing slightly by 2.11% in the past 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)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
3.2 Future
The Earnings Per Share is expected to grow by 8.90% on average over the next years. This is quite good.
Based on estimates for the next years, RZC will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
Revenue Next 5Y7.79%
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.
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
The Price/Earnings ratio is 1.14, which indicates a rather cheap valuation of RZC.
Based on the Price/Earnings ratio, RZC is valued cheaper than 93.79% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. RZC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 0.99, which 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 94.48% of the companies listed in the same industry.
RZC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.14 | ||
| Fwd PE | 0.99 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZC is valued cheaper than 95.86% 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 | 0.33 | ||
| EV/EBITDA | 1.59 |
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)0.39
PEG (5Y)0.1
EPS Next 2Y6.8%
EPS Next 3Y7.17%
5. Dividend
5.1 Amount
RZC has a Yearly Dividend Yield of 1.81%. Purely for dividend investing, there may be better candidates out there.
RZC's Dividend Yield is comparable with the industry average which is at 3.67.
RZC's Dividend Yield is slightly below the S&P500 average, which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
5.2 History
The dividend of RZC is nicely growing with an annual growth rate of 6.13%!
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 29.26% 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.
DP29.26%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (7/11/2025, 8:04:01 PM)
25.45
-0.14 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.68B
Analysts77.33
Price Target32.34 (27.07%)
Short Float %0.08%
Short Ratio1.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP29.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.34%
Min EPS beat(2)-6.11%
Max EPS beat(2)5.42%
EPS beat(4)3
Avg EPS beat(4)5.09%
Min EPS beat(4)-6.11%
Max EPS beat(4)14.34%
EPS beat(8)7
Avg EPS beat(8)11.29%
EPS beat(12)10
Avg EPS beat(12)24.97%
EPS beat(16)12
Avg EPS beat(16)17.52%
Revenue beat(2)0
Avg Revenue beat(2)-6.67%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-4.99%
Revenue beat(4)1
Avg Revenue beat(4)-1.89%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)9.16%
Revenue beat(8)4
Avg Revenue beat(8)6.55%
Revenue beat(12)7
Avg Revenue beat(12)4.25%
Revenue beat(16)10
Avg Revenue beat(16)4.4%
PT rev (1m)3.74%
PT rev (3m)-4.17%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)-2.91%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)0.29%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.14 | ||
| Fwd PE | 0.99 | ||
| P/S | 0.08 | ||
| P/FCF | 0.33 | ||
| P/OCF | 0.33 | ||
| P/B | 0.15 | ||
| P/tB | 0.15 | ||
| EV/EBITDA | 1.59 |
EPS(TTM)22.26
EY87.47%
EPS(NY)25.8
Fwd EY101.38%
FCF(TTM)76.61
FCFY301.01%
OCF(TTM)76.61
OCFY301.01%
SpS318.57
BVpS172.52
TBVpS172.52
PEG (NY)0.39
PEG (5Y)0.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 6.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 6.57% | ||
| PM (TTM) | 3.77% | ||
| GM | N/A | ||
| FCFM | 24.05% |
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-Score4
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 1.13 | ||
| Debt/EBITDA | 4.01 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.15 | ||
| Cash Conversion | 354.3% | ||
| Profit Quality | 638.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.9%
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)7.43%
EPS 3Y174.8%
EPS 5Y11.09%
EPS Q2Q%-5.98%
EPS Next Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue 1Y (TTM)2.11%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%-17%
Revenue Next Year2.66%
Revenue Next 2Y6.43%
Revenue Next 3Y6.79%
Revenue Next 5Y7.79%
EBIT growth 1Y2.6%
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 1Y85.46%
FCF growth 3Y31.05%
FCF growth 5Y32.75%
OCF growth 1Y83.84%
OCF growth 3Y30.85%
OCF growth 5Y32.35%