Reinsurance Group of America, Incorporated Logo

Reinsurance Group of America, Incorporated

RZA

(2.0)
Stock Price

24,98 USD

0.86% ROA

19.91% ROE

16.43x PER

Market Cap.

14.069.180.237,00 USD

52.05% DER

2.03% Yield

4.62% NPM

Reinsurance Group of America, Incorporated Stock Analysis

Reinsurance Group of America, Incorporated Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Reinsurance Group of America, Incorporated Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE falls within an average range (13.82%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

2 ROA

The stock's ROA (1.09%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

3 PBV

The stock's PBV ratio (1.13x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 DER

The stock maintains a fair debt to equity ratio (55%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (176.434) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Reinsurance Group of America, Incorporated Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Reinsurance Group of America, Incorporated Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Unknown
2 MACD Unknown
3 RSI Unknown
4 Stoch RSI Unknown

Reinsurance Group of America, Incorporated Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Reinsurance Group of America, Incorporated Revenue
Year Revenue Growth
1993 441.400.000
1994 525.800.000 16.05%
1995 668.100.000 21.3%
1996 830.029.000 19.51%
1997 1.071.515.000 22.54%
1998 1.344.492.000 20.3%
1999 1.607.082.000 16.34%
2000 1.725.735.000 6.88%
2001 1.968.284.000 12.32%
2002 2.381.963.000 17.37%
2003 3.174.333.000 24.96%
2004 4.038.919.000 21.41%
2005 4.584.765.000 11.91%
2006 5.193.691.000 11.72%
2007 5.718.361.000 9.18%
2008 5.681.203.000 -0.65%
2009 7.066.822.000 19.61%
2010 8.261.730.000 14.46%
2011 8.829.538.000 6.43%
2012 9.840.911.000 10.28%
2013 10.318.353.000 4.63%
2014 10.904.194.000 5.37%
2015 10.418.178.000 -4.67%
2016 11.521.511.000 9.58%
2017 12.515.769.000 7.94%
2018 12.875.664.000 2.8%
2019 14.300.000.000 9.96%
2020 14.596.000.000 2.03%
2021 16.658.000.000 12.38%
2022 16.258.000.000 -2.46%
2023 20.612.000.000 21.12%
2023 18.577.000.000 -10.95%
2024 19.556.000.000 5.01%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Reinsurance Group of America, Incorporated Research and Development Expenses
Year Research and Development Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Reinsurance Group of America, Incorporated General and Administrative Expenses
Year General and Administrative Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Reinsurance Group of America, Incorporated EBITDA
Year EBITDA Growth
1993 53.000.000
1994 62.200.000 14.79%
1995 67.100.000 7.3%
1996 85.028.000 21.08%
1997 169.111.000 49.72%
1998 254.088.000 33.44%
1999 217.355.000 -16.9%
2000 233.434.000 6.89%
2001 150.119.000 -55.5%
2002 314.650.000 52.29%
2003 442.696.000 28.92%
2004 550.572.000 19.59%
2005 554.434.000 0.7%
2006 699.797.000 20.77%
2007 707.796.000 1.13%
2008 345.534.000 -104.84%
2009 662.285.000 47.83%
2010 954.813.000 30.64%
2011 937.018.000 -1.9%
2012 1.024.571.000 8.55%
2013 759.561.000 -34.89%
2014 1.105.233.000 31.28%
2015 887.658.000 -24.51%
2016 1.208.422.000 26.54%
2017 1.341.742.000 9.94%
2018 1.038.302.000 -29.22%
2019 789.000.000 -31.6%
2020 242.000.000 -226.03%
2021 287.000.000 15.68%
2022 978.000.000 70.65%
2023 1.520.000.000 35.66%
2023 -7.000.000 21814.29%
2024 -292.000.000 97.6%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Reinsurance Group of America, Incorporated Gross Profit
Year Gross Profit Growth
1993 441.400.000
1994 525.800.000 16.05%
1995 668.100.000 21.3%
1996 830.029.000 19.51%
1997 1.071.515.000 22.54%
1998 1.344.492.000 20.3%
1999 1.607.082.000 16.34%
2000 1.725.735.000 6.88%
2001 1.968.284.000 12.32%
2002 2.381.963.000 17.37%
2003 3.174.333.000 24.96%
2004 4.038.919.000 21.41%
2005 4.584.765.000 11.91%
2006 4.989.311.000 8.11%
2007 5.481.749.000 8.98%
2008 5.438.286.000 -0.8%
2009 6.823.905.000 20.31%
2010 8.261.368.000 17.4%
2011 8.410.198.000 1.77%
2012 9.840.459.200 14.53%
2013 10.317.886.300 4.63%
2014 10.903.655.600 5.37%
2015 10.417.624.000 -4.67%
2016 11.520.865.500 9.58%
2017 12.515.058.300 7.94%
2018 12.874.878.000 2.79%
2019 13.432.000.000 4.15%
2020 13.780.000.000 2.53%
2021 15.722.000.000 12.35%
2022 15.249.000.000 -3.1%
2023 19.516.000.000 21.86%
2023 17.488.000.000 -11.6%
2024 18.352.000.000 4.71%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Reinsurance Group of America, Incorporated Net Profit
Year Net Profit Growth
1993 34.100.000
1994 40.400.000 15.59%
1995 47.300.000 14.59%
1996 55.072.000 14.11%
1997 54.619.000 -0.83%
1998 62.081.000 12.02%
1999 40.858.000 -51.94%
2000 77.669.000 47.39%
2001 33.046.000 -135.03%
2002 122.806.000 73.09%
2003 173.141.000 29.07%
2004 221.891.000 21.97%
2005 224.180.000 1.02%
2006 288.210.000 22.22%
2007 293.834.000 1.91%
2008 176.796.000 -66.2%
2009 407.086.000 56.57%
2010 574.402.000 29.13%
2011 599.620.000 4.21%
2012 631.893.000 5.11%
2013 418.837.000 -50.87%
2014 684.047.000 38.77%
2015 502.166.000 -36.22%
2016 701.443.000 28.41%
2017 1.822.181.000 61.51%
2018 715.842.000 -154.55%
2019 870.000.000 17.72%
2020 415.000.000 -109.64%
2021 617.000.000 32.74%
2022 517.000.000 -19.34%
2023 1.156.000.000 55.28%
2023 902.000.000 -28.16%
2024 812.000.000 -11.08%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Reinsurance Group of America, Incorporated Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1993 1
1994 1 0%
1995 1 0%
1996 1 0%
1997 1 0%
1998 2 0%
1999 1 0%
2000 2 100%
2001 1 0%
2002 2 100%
2003 3 33.33%
2004 4 0%
2005 4 0%
2006 5 25%
2007 5 0%
2008 3 -100%
2009 6 60%
2010 8 28.57%
2011 8 12.5%
2012 9 0%
2013 6 -60%
2014 10 44.44%
2015 8 -28.57%
2016 11 30%
2017 28 64.29%
2018 11 -154.55%
2019 14 15.38%
2020 6 -116.67%
2021 9 33.33%
2022 8 -28.57%
2023 17 58.82%
2023 14 -30.77%
2024 12 -8.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Reinsurance Group of America, Incorporated Free Cashflow
Year Free Cashflow Growth
1993 114.000.000
1994 129.400.000 11.9%
1995 171.000.000 24.33%
1996 256.678.000 33.38%
1997 432.725.000 40.68%
1998 349.147.000 -23.94%
1999 277.701.000 -25.73%
2000 192.799.000 -44.04%
2001 243.931.000 20.96%
2002 161.851.000 -50.71%
2003 572.274.000 71.72%
2004 714.479.000 19.9%
2005 599.351.000 -19.21%
2006 846.225.000 29.17%
2007 957.409.000 11.61%
2008 726.982.000 -31.7%
2009 1.364.236.000 46.71%
2010 1.842.740.000 25.97%
2011 1.309.532.000 -40.72%
2012 1.974.527.000 33.68%
2013 1.726.965.000 -14.34%
2014 2.247.794.000 23.17%
2015 2.065.062.000 -8.85%
2016 1.421.076.000 -45.32%
2017 1.938.097.000 26.68%
2018 1.552.230.000 -24.86%
2019 2.273.000.000 31.71%
2020 3.294.000.000 31%
2021 4.163.000.000 20.87%
2022 1.318.000.000 -215.86%
2023 4.121.000.000 68.02%
2023 0 0%
2024 967.000.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Reinsurance Group of America, Incorporated Operating Cashflow
Year Operating Cashflow Growth
1993 114.000.000
1994 129.400.000 11.9%
1995 171.000.000 24.33%
1996 256.678.000 33.38%
1997 432.725.000 40.68%
1998 349.147.000 -23.94%
1999 277.701.000 -25.73%
2000 192.799.000 -44.04%
2001 243.931.000 20.96%
2002 161.851.000 -50.71%
2003 572.274.000 71.72%
2004 714.479.000 19.9%
2005 599.351.000 -19.21%
2006 846.225.000 29.17%
2007 957.409.000 11.61%
2008 726.982.000 -31.7%
2009 1.364.236.000 46.71%
2010 1.842.740.000 25.97%
2011 1.309.532.000 -40.72%
2012 1.974.527.000 33.68%
2013 1.727.160.000 -14.32%
2014 2.336.155.000 26.07%
2015 2.088.615.000 -11.85%
2016 1.465.718.000 -42.5%
2017 1.982.308.000 26.06%
2018 1.581.121.000 -25.37%
2019 2.307.000.000 31.46%
2020 3.322.000.000 30.55%
2021 4.182.000.000 20.56%
2022 1.343.000.000 -211.39%
2023 4.044.000.000 66.79%
2023 0 0%
2024 967.000.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Reinsurance Group of America, Incorporated Capital Expenditure
Year Capital Expenditure Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 195.000 100%
2014 88.361.000 99.78%
2015 23.553.000 -275.16%
2016 44.642.000 47.24%
2017 44.211.000 -0.97%
2018 28.891.000 -53.03%
2019 34.000.000 15.03%
2020 28.000.000 -21.43%
2021 19.000.000 -47.37%
2022 25.000.000 24%
2023 -77.000.000 132.47%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Reinsurance Group of America, Incorporated Equity
Year Equity Growth
1993 283.100.000
1994 286.800.000 1.29%
1995 384.800.000 25.47%
1996 432.340.000 11%
1997 507.586.000 14.82%
1998 752.224.000 32.52%
1999 736.713.000 -2.11%
2000 862.923.000 14.63%
2001 1.005.588.000 14.19%
2002 1.380.639.000 27.17%
2003 2.106.015.000 34.44%
2004 2.279.025.000 7.59%
2005 2.527.484.000 9.83%
2006 2.815.384.000 10.23%
2007 3.189.832.000 11.74%
2008 2.616.808.000 -21.9%
2009 3.867.927.000 32.35%
2010 5.040.567.000 23.26%
2011 6.137.105.000 17.87%
2012 6.910.187.000 11.19%
2013 5.935.527.000 -16.42%
2014 7.023.452.000 15.49%
2015 6.135.381.000 -14.47%
2016 7.093.082.000 13.5%
2017 9.569.535.000 25.88%
2018 8.450.553.000 -13.24%
2019 11.601.000.000 27.16%
2020 14.352.000.000 19.17%
2021 13.014.000.000 -10.28%
2022 4.235.000.000 -207.3%
2023 9.171.000.000 53.82%
2023 8.153.000.000 -12.49%
2024 9.825.000.000 17.02%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Reinsurance Group of America, Incorporated Assets
Year Assets Growth
1993 1.249.600.000
1994 1.394.300.000 10.38%
1995 1.989.900.000 29.93%
1996 2.893.654.000 31.23%
1997 4.673.550.000 38.08%
1998 6.314.806.000 25.99%
1999 5.119.978.000 -23.34%
2000 6.061.860.000 15.54%
2001 6.894.345.000 12.07%
2002 8.892.597.000 22.47%
2003 12.113.374.000 26.59%
2004 14.048.129.000 13.77%
2005 16.193.866.000 13.25%
2006 19.036.837.000 14.93%
2007 21.598.009.000 11.86%
2008 21.658.818.000 0.28%
2009 25.249.501.000 14.22%
2010 29.081.908.000 13.18%
2011 32.104.032.000 9.41%
2012 40.360.438.000 20.46%
2013 39.674.473.000 -1.73%
2014 44.679.611.000 11.2%
2015 50.383.152.000 11.32%
2016 53.097.879.000 5.11%
2017 60.514.818.000 12.26%
2018 64.609.026.000 6.34%
2019 76.731.000.000 15.8%
2020 84.656.000.000 9.36%
2021 92.175.000.000 8.16%
2022 84.706.000.000 -8.82%
2023 92.175.000.000 8.1%
2023 87.422.000.000 -5.44%
2024 104.766.000.000 16.55%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Reinsurance Group of America, Incorporated Liabilities
Year Liabilities Growth
1993 385.100.000
1994 434.000.000 11.27%
1995 0 0%
1996 2.461.314.000 100%
1997 4.165.964.000 40.92%
1998 5.562.582.000 25.11%
1999 4.383.265.000 -26.9%
2000 5.198.937.000 15.69%
2001 5.888.757.000 11.71%
2002 7.511.958.000 21.61%
2003 10.007.359.000 24.94%
2004 11.769.104.000 14.97%
2005 13.666.382.000 13.88%
2006 16.221.453.000 15.75%
2007 18.408.177.000 11.88%
2008 19.042.010.000 3.33%
2009 21.381.574.000 10.94%
2010 24.041.341.000 11.06%
2011 25.966.927.000 7.42%
2012 33.450.251.000 22.37%
2013 33.738.946.000 0.86%
2014 37.656.159.000 10.4%
2015 44.247.771.000 14.9%
2016 46.004.797.000 3.82%
2017 50.945.283.000 9.7%
2018 56.158.473.000 9.28%
2019 6.291.000.000 -792.68%
2020 70.304.000.000 91.05%
2021 6.733.000.000 -944.17%
2022 80.471.000.000 91.63%
2023 83.004.000.000 3.05%
2023 4.450.000.000 -1765.26%
2024 94.941.000.000 95.31%

Reinsurance Group of America, Incorporated Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
324.61
Net Income per Share
13
Price to Earning Ratio
16.43x
Price To Sales Ratio
0.66x
POCF Ratio
1.58
PFCF Ratio
1.57
Price to Book Ratio
1.45
EV to Sales
0.68
EV Over EBITDA
61.87
EV to Operating CashFlow
1.63
EV to FreeCashFlow
1.63
Earnings Yield
0.06
FreeCashFlow Yield
0.64
Market Cap
14,07 Bil.
Enterprise Value
14,54 Bil.
Graham Number
207.71
Graham NetNet
-1435.71

Income Statement Metrics

Net Income per Share
13
Income Quality
10.41
ROE
0.09
Return On Assets
0.02
Return On Capital Employed
0.05
Net Income per EBT
0.75
EBT Per Ebit
0.4
Ebit per Revenue
0.15
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.94
Operating Profit Margin
0.15
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0.02
Dividend Yield %
2.03
Payout Ratio
0.26
Dividend Per Share
4.33

Operating Metrics

Operating Cashflow per Share
135.29
Free CashFlow per Share
135.47
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0.29
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
87.26
Days Payables Outstanding
291.55
Days of Inventory on Hand
-6320.41
Receivables Turnover
4.18
Payables Turnover
1.25
Inventory Turnover
-0.06
Capex per Share
0.18

Balance Sheet

Cash per Share
95,18
Book Value per Share
148,86
Tangible Book Value per Share
77.35
Shareholders Equity per Share
147.5
Interest Debt per Share
81.03
Debt to Equity
0.52
Debt to Assets
0.05
Net Debt to EBITDA
2
Current Ratio
-2.57
Tangible Asset Value
5,11 Bil.
Net Current Asset Value
-84,14 Bil.
Invested Capital
99179000000
Working Capital
15,00 Bil.
Intangibles to Total Assets
0.05
Average Receivables
5,19 Bil.
Average Payables
0,90 Bil.
Average Inventory
-20337500000
Debt to Market Cap
0.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Reinsurance Group of America, Incorporated Dividends
Year Dividends Growth
2012 0
2013 2 100%
2014 2 0%
2015 0 0%
2016 1 0%
2017 0 0%
2018 2 100%
2019 2 0%
2020 1 0%
2021 2 0%
2022 2 0%

Reinsurance Group of America, Incorporated Profile

About Reinsurance Group of America, Incorporated

CEO
None
Employee
0
Address

,

Reinsurance Group of America, Incorporated Executives & BODs

Reinsurance Group of America, Incorporated Executives & BODs
# Name Age

Reinsurance Group of America, Incorporated Competitors