REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RZC - US7593518852
25.53 USD
+0.03 (+0.12%)
Overall RZC gets a fundamental rating of 4 out of 10. We evaluated RZC against 147 industry peers in the Insurance industry. Both the profitability and financial health of RZC have multiple concerns. RZC scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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.
In the past 5 years RZC has always been profitable.
In the past 5 years RZC always reported a positive cash flow from operatings.
1.2 Ratios
RZC's Return On Assets of 0.57% is on the low side compared to the rest of the industry. RZC is outperformed by 68.71% of its industry peers.
Looking at the Return On Equity, with a value of 6.68%, RZC is doing worse than 72.79% of the companies in the same industry.
| 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
With a Profit Margin value of 3.89%, RZC is not doing good in the industry: 72.11% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RZC has declined.
RZC's Operating Margin of 7.39% is on the low side compared to the rest of the industry. RZC is outperformed by 69.39% 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.
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
The debt/assets ratio for RZC has been reduced compared to a year ago.
2.2 Solvency
RZC has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
The Debt to FCF ratio of RZC (1.18) is better than 65.99% of its industry peers.
RZC has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
RZC's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. RZC is outperformed by 63.27% 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 | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.56%
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.
The Earnings Per Share has been growing by 11.09% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.01% 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)-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
The Earnings Per Share is expected to grow by 8.11% 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 7.50% on average per year.
EPS Next Y-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.17, which indicates a rather cheap valuation of RZC.
93.88% 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 (25.98), we can say RZC is valued rather cheaply.
With a Price/Forward Earnings ratio of 0.98, the valuation of RZC can be described as very cheap.
RZC's Price/Forward Earnings ratio is rather cheap when compared to the industry. RZC is cheaper than 95.24% of the companies in the same industry.
RZC is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 0.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RZC is valued cheaper than 93.88% of the companies 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.35 | ||
| EV/EBITDA | 1.65 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2Y7.25%
EPS Next 3Y7.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.75%, RZC is a good candidate for dividend investing.
RZC's Dividend Yield is rather good when compared to the industry average which is at 3.46. RZC pays more dividend than 89.12% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, RZC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
5.2 History
On average, the dividend of RZC grows each year by 6.13%, which is quite nice.
RZC has paid a dividend for less than 5 years, so there is no long track record yet.
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.
The dividend of RZC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.34%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (11/25/2025, 8:11:51 PM)
25.53
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners99.9%
Inst Owner ChangeN/A
Ins Owners0.21%
Ins Owner ChangeN/A
Market Cap1.69B
Revenue(TTM)22.31B
Net Income(TTM)867.00M
Analysts74.67
Price Target32.43 (27.03%)
Short Float %0.08%
Short Ratio1.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-0.34%
PT rev (3m)1.49%
EPS NQ rev (1m)1.81%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)-2.48%
EPS NY rev (3m)-2.58%
Revenue NQ rev (1m)1.72%
Revenue NQ rev (3m)1.61%
Revenue NY rev (1m)1.67%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 0.98 | ||
| P/S | 0.08 | ||
| P/FCF | 0.35 | ||
| P/OCF | 0.35 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.65 |
EPS(TTM)21.74
EY85.15%
EPS(NY)26.02
Fwd EY101.91%
FCF(TTM)73.22
FCFY286.79%
OCF(TTM)73.22
OCFY286.79%
SpS337.62
BVpS196.37
TBVpS196.37
PEG (NY)N/A
PEG (5Y)0.11
Graham Number309.93
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
WACC5.56%
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-3.8%
EPS Next 2Y7.25%
EPS Next 3Y7.95%
EPS Next 5Y8.11%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%9.79%
Revenue Next Year2.94%
Revenue Next 2Y6.7%
Revenue Next 3Y6.77%
Revenue Next 5Y7.5%
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.
Can you provide the valuation status for REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52?
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.
Can you provide the dividend sustainability for 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%.