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

NYSE:RZC • US7593518852

25.55 USD
+0.03 (+0.12%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to RZC. RZC was compared to 149 industry peers in the Insurance industry. While RZC seems to be doing ok healthwise, there are quite some concerns on its profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on RZC.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year RZC was profitable.
  • RZC had a positive operating cash flow in the past year.
  • RZC had positive earnings in each of the past 5 years.
  • RZC had a positive operating cash flow in 4 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 (0.57%) than 68.46% of its industry peers.
  • RZC's Return On Equity of 6.68% is on the low side compared to the rest of the industry. RZC is outperformed by 70.47% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 6.68%
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 worse Profit Margin (3.89%) than 69.80% of its industry peers.
  • RZC's Profit Margin has improved in the last couple of years.
  • RZC has a worse Operating Margin (7.39%) than 69.13% of its industry peers.
  • In the last couple of years the Operating Margin of RZC has grown nicely.
Industry RankSector Rank
OM 7.39%
PM (TTM) 3.89%
GM N/A
OM growth 3Y12.85%
OM growth 5Y9.09%
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

4

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 reduced compared to 1 year ago.
  • RZC has less shares outstanding than it did 5 years ago.
  • RZC has a better debt/assets ratio than last year.
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 1.18, which is an excellent value as it means it would take RZC, only 1.18 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.18, RZC is doing good in the industry, outperforming 67.79% of the companies in the same industry.
  • A Debt/Equity ratio of 0.44 indicates that RZC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.44, RZC is not doing good in the industry: 61.74% of the companies in the same industry are doing better.
  • 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 RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC5.88%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.31% over the past year.
  • RZC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.81% yearly.
  • The Revenue has been growing slightly by 7.16% in the past year.
  • Measured over the past years, RZC shows a quite strong growth in Revenue. The Revenue has been growing by 10.15% on average per year.
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

  • RZC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.83% yearly.
  • RZC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.18% yearly.
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue Next Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
Revenue Next 5Y9.18%

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.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.04, the valuation of RZC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of RZC indicates a rather cheap valuation: RZC is cheaper than 95.97% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, RZC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 0.98 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 95.97% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.96, RZC is valued rather cheaply.
Industry RankSector Rank
PE 1.04
Fwd PE 0.98
RZC Price Earnings VS Forward Price EarningsRZC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RZC is valued cheaply inside the industry as 99.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.35
EV/EBITDA N/A
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)0.17
PEG (5Y)0.04
EPS Next 2Y7.69%
EPS Next 3Y9.9%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.66%, RZC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.22, RZC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.79, RZC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.66%

5.2 History

  • The dividend of RZC is nicely growing with an annual growth rate of 6.13%!
  • 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
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

  • 27.34% of the earnings are spent on dividend by RZC. This is a low number and sustainable payout ratio.
  • The dividend of RZC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.34%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
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

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

NYSE:RZC (2/13/2026, 7:00:00 PM)

25.55

+0.03 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.74%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.67B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target29.55 (15.66%)
Short Float %0.1%
Short Ratio1.76
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-2.24%
PT rev (3m)-10.52%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-2.89%
EPS NY rev (1m)-1.78%
EPS NY rev (3m)-2.85%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 1.04
Fwd PE 0.98
P/S 0.07
P/FCF 0.35
P/OCF 0.35
P/B 0.13
P/tB 0.13
EV/EBITDA N/A
EPS(TTM)24.5
EY95.89%
EPS(NY)25.99
Fwd EY101.72%
FCF(TTM)73.92
FCFY289.33%
OCF(TTM)73.92
OCFY289.33%
SpS340.86
BVpS198.26
TBVpS198.26
PEG (NY)0.17
PEG (5Y)0.04
Graham Number330.59
Profitability
Industry RankSector 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)0.76%
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 3Y12.85%
OM growth 5Y9.09%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.49
Cash Conversion N/A
Profit Quality 558.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.88%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
Revenue Next 5Y9.18%
EBIT growth 1Y32.98%
EBIT growth 3Y27.95%
EBIT growth 5Y20.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-46.21%
OCF growth 3YN/A
OCF growth 5YN/A

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 0.13.


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 5 / 10 and the dividend payout ratio is 27.34%.