REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52 (RZC) Stock Fundamental Analysis
NYSE:RZC - US7593518852
25.7 USD
+0.04 (+0.16%)
25.7 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to RZC. RZC was compared to 146 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.
1. Profitability
1.1 Basic Checks
RZC had positive earnings in the past year.
RZC had a positive operating cash flow in the past year.
Each year in the past 5 years RZC has been profitable.
In the past 5 years RZC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of RZC (0.58%) is worse than 65.07% of its industry peers.
RZC has a worse Return On Equity (6.39%) than 66.44% of its industry peers.
| 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
RZC has a worse Profit Margin (3.54%) than 69.18% of its industry peers.
In the last couple of years the Profit Margin of RZC has declined.
The Operating Margin of RZC (6.90%) is worse than 66.44% 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.
The number of shares outstanding for RZC has been increased compared to 1 year ago.
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
The Debt to FCF ratio of RZC is 1.17, which is an excellent value as it means it would take RZC, only 1.17 years of fcf income to pay off all of its debts.
RZC's Debt to FCF ratio of 1.17 is fine compared to the rest of the industry. RZC outperforms 60.96% of 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.
Looking at the Debt to Equity ratio, with a value of 0.48, RZC is doing worse than 65.07% of the companies in the same industry.
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
WACC6.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RZC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.38%.
RZC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.09% yearly.
RZC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.87%.
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)-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
RZC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.67% yearly.
The Revenue is expected to grow by 7.55% on average over the next years.
EPS Next Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue Next Year1.37%
Revenue Next 2Y5.61%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%
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 decreasing.
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 1.20.
RZC's Price/Earnings ratio is rather cheap when compared to the industry. RZC is cheaper than 95.21% of the companies in the same industry.
When comparing the Price/Earnings ratio of RZC to the average of the S&P500 Index (26.84), we can say RZC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.00, the valuation of RZC can be described as very cheap.
Based on the Price/Forward Earnings ratio, RZC is valued cheaply inside the industry as 95.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, RZC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.2 | ||
| Fwd PE | 1 |
4.2 Price Multiples
RZC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RZC is cheaper than 97.26% of the companies in the same industry.
99.32% of the companies in the same industry are more expensive than RZC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.35 | ||
| EV/EBITDA | 1.3 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.11
EPS Next 2Y6.66%
EPS Next 3Y7.15%
5. Dividend
5.1 Amount
RZC has a Yearly Dividend Yield of 1.92%.
RZC's Dividend Yield is comparable with the industry average which is at 3.24.
RZC's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
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
30.52% 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.
DP30.52%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
REINSURANCE GRP OF AMER - RGA 7 1/8 10/15/52
NYSE:RZC (9/3/2025, 8:04:01 PM)
After market: 25.7 0 (0%)25.7
+0.04 (+0.16%)
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 Cap1.70B
Analysts77.33
Price Target31.95 (24.32%)
Short Float %0.08%
Short Ratio1.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
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)-1.35%
PT rev (3m)-0.69%
EPS NQ rev (1m)-2.8%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)-4.07%
EPS NY rev (3m)-4.38%
Revenue NQ rev (1m)-2.43%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)-1.03%
Revenue NY rev (3m)-0.43%
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 | 1.3 |
EPS(TTM)21.5
EY83.66%
EPS(NY)25.73
Fwd EY100.13%
FCF(TTM)74.38
FCFY289.43%
OCF(TTM)74.38
OCFY289.43%
SpS329.25
BVpS182.37
TBVpS182.37
PEG (NY)N/A
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
WACC6.21%
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 Y-1.25%
EPS Next 2Y6.66%
EPS Next 3Y7.15%
EPS Next 5Y7.67%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y10.36%
Revenue growth 5Y9.06%
Sales Q2Q%14.78%
Revenue Next Year1.37%
Revenue Next 2Y5.61%
Revenue Next 3Y6.71%
Revenue Next 5Y7.55%
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%