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
Taking everything into account, RZC scores 4 out of 10 in our fundamental rating. RZC was compared to 143 industry peers in the Insurance industry. RZC has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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
With a Return On Assets value of 0.58%, RZC is not doing good in the industry: 63.64% 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: 65.73% 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
With a Profit Margin value of 3.54%, RZC is not doing good in the industry: 67.13% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RZC has declined.
The Operating Margin of RZC (6.90%) is worse than 65.73% 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
RZC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RZC has an improved debt to assets ratio.
2.2 Solvency
RZC has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
RZC has a Debt to FCF ratio (1.17) which is in line with 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.
RZC has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: RZC underperforms 63.64% 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 | 0.48 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.81%
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.
The Earnings Per Share has been growing by 11.09% on average over the past years. This is quite good.
Looking at the last year, RZC shows a small growth in Revenue. The Revenue has grown by 1.87% in the last year.
The Revenue has been growing by 9.06% on average over the past years. This is quite good.
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 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 Year2.43%
Revenue Next 2Y6.28%
Revenue Next 3Y6.57%
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.
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
With a Price/Earnings ratio of 1.20, the valuation of RZC can be described as very cheap.
94.41% of the companies in the same industry are more expensive than RZC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.51, RZC is valued rather cheaply.
A Price/Forward Earnings ratio of 1.00 indicates a rather cheap valuation of RZC.
Based on the Price/Forward Earnings ratio, RZC is valued cheaper than 95.80% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.09. RZC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.2 | ||
| Fwd PE | 1 |
4.2 Price Multiples
96.50% of the companies in the same industry are more expensive than RZC, based on the Enterprise Value to EBITDA ratio.
RZC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RZC is cheaper than 99.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.35 | ||
| EV/EBITDA | 1.31 |
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)0.41
PEG (5Y)0.11
EPS Next 2Y6.8%
EPS Next 3Y7.17%
5. Dividend
5.1 Amount
RZC has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, RZC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, RZC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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 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 2Y6.8%
EPS Next 3Y7.17%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (8/8/2025, 8:05:38 PM)
25.8
+0.1 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners100.3%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap1.71B
Analysts77.33
Price Target34.92 (35.35%)
Short Float %0.07%
Short Ratio1.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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)7.98%
PT rev (3m)8.54%
EPS NQ rev (1m)-0.39%
EPS NQ rev (3m)0.61%
EPS NY rev (1m)0%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)2.97%
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.2 | ||
| Fwd PE | 1 | ||
| P/S | 0.08 | ||
| P/FCF | 0.35 | ||
| P/OCF | 0.35 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | 1.31 |
EPS(TTM)21.5
EY83.33%
EPS(NY)25.8
Fwd EY100.01%
FCF(TTM)74.38
FCFY288.31%
OCF(TTM)74.38
OCFY288.31%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)0.41
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
WACC5.81%
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 Y2.94%
EPS Next 2Y6.8%
EPS Next 3Y7.17%
EPS Next 5Y8.9%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year2.43%
Revenue Next 2Y6.28%
Revenue Next 3Y6.57%
Revenue Next 5Y7.79%
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%