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Reinsurance Group of America, Incorporated (RZA)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Reinsurance Group of America, Incorporated Financial Ratios 2025-2007 | RZA
Brief overview of Reinsurance Group of America, Incorporated's valuation and returns
The comparison uses the five latest available annual observations between 2020 and 2024.
The current valuation set is P/E 2.29x (median 2.29x), P/B 0.15x (median 0.15x), P/CF 0.18x (median 0.42x). The combined ratio level is close to the company's five-year norm at a 0% deviation. No clear premium or discount is visible.
The inverse P/E implies an earnings yield of 43.6%. This is not a dividend yield, but current earnings relative to market price.
Current measures of operating quality are ROE 8.8%, ROA 0.8%, ROCE 1.5%. Efficiency ratios are restrained, with capital and assets producing modest returns.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
Valuation takeaway
Reinsurance Group of America, Incorporated's market valuation is near its own historical norm, while quality ratios provide no extreme signal.
Annual Financial Ratios Reinsurance Group of America, Incorporated
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| - | 2.3 | 1.8 | 2.7 | 1.5 | 4.1 | 2.0 | 2.4 | 1.0 | 2.6 | 3.8 | 2.9 | 4.4 | 3.1 | - | - | - | - | - | |
P/S |
- | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | - | - | - | - | - |
EPS |
7.1 | 2.3 | 13.6 | 7.7 | 17.3 | 6.3 | 13.9 | 11.2 | 28.3 | 10.9 | 7.5 | 9.9 | 5.8 | 8.6 | 7.4 | 7.3 | 5.1 | 2.9 | - |
EV (Enterprise Value) |
139 B | 106 B | 87.1 B | 76.5 B | 78 B | 68.6 B | 65.4 B | 54.2 B | 49.6 B | 44.8 B | 42.7 B | 36 B | 34.6 B | 34.2 B | 25 B | 23.4 B | 20.9 B | -875 M | -404 M |
EBITDA per Share |
0.65 | 0.7 | 0.62 | 0.57 | 0.63 | 0.75 | 19.7 | - | - | - | - | - | 4.5 | 7.43 | - | 15.4 | 14.3 | - | - |
EV/EBITDA |
3229.6 | 2306.2 | 2125.3 | 2012.6 | 1811.8 | 3644.2 | 2.7 | 2.8 | 2.6 | 3.2 | 3.3 | 2.5 | 11.2 | 4.6 | - | 20.8 | 20.0 | - | - |
PEG |
- | -0.11 | - | - | - | -40.56 | 0.09 | -0.04 | 0.01 | 0.06 | -0.16 | 0.04 | -0.14 | 0.61 | - | - | - | - | - |
P/B |
- | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | - | - | - | - | - |
P/CF |
- | 0.2 | 0.4 | 1.2 | 0.4 | 0.5 | 0.8 | 1.1 | 0.9 | 1.3 | 0.9 | 0.9 | 1.1 | 1.0 | - | - | - | - | - |
ROE % |
8.78 | 6.63 | 9.93 | 8.80 | 8.99 | 2.89 | 7.50 | 8.47 | 19.04 | 9.89 | 8.18 | 9.74 | 7.06 | 9.14 | - | 11.24 | 10.25 | 7.26 | - |
ROA % |
0.75 | 0.60 | 0.92 | 0.73 | 1.26 | 0.49 | 1.13 | 1.11 | 3.01 | 1.32 | 1.00 | 1.53 | 1.06 | 1.57 | - | 1.87 | 1.48 | - | - |
ROCE % |
- | - | - | - | - | - | 1.49 | 1.33 | 1.92 | 1.99 | 1.50 | 2.29 | 1.08 | 1.58 | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 75.7 | 66.8 | 61.2 | 61.3 | 66.5 | 58.8 | 21.2 | 49.1 | - | 1.2 | 1.2 | - | - |
DSO |
- | - | - | - | - | - | 12.6 | 12.1 | 11.5 | 11.0 | 11.9 | 8.7 | - | - | - | - | - | - | - |
DPO |
- | - | - | - | - | - | 19.9 | 19.1 | 20.9 | 17.8 | 14.5 | 15.1 | 13.7 | 12.8 | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | 12.6 | 12.1 | 11.5 | 11.0 | 11.9 | 8.7 | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | -7.4 | -7.0 | -9.5 | -6.8 | -2.6 | -6.4 | -13.7 | -12.8 | - | - | - | - | - |
Annual performance
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All numbers in USD currency
Quarterly Financial Ratios Reinsurance Group of America, Incorporated
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q4 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
6.98 | 7.07 | 5.04 | 7.07 | 3.85 | 2.72 | 4.33 | 2.26 | 2.37 | 3.07 | 3.2 | 2.4 | 4.34 | 3.09 | 3.77 | 4.36 | -1.13 | 1.57 | 2.93 | 2.32 | -0.32 | 5.06 | 2.04 | 1.95 | 3.13 | 2.49 | -1.41 | 3.75 | 4.19 | 3.23 | 2.7 | 1.75 | 4.76 | 3.19 | 1.55 | 18.89 | 3.53 | 3.6 | 2.26 | 2.96 | 3.1 | 3.68 | 1.18 | 2.49 | 1.26 | 1.97 | 1.84 | 2.78 | 2.3 | 2.87 | 1.94 | 2.05 | 1.95 | -0.69 | 2.51 | 3.02 | 1.96 | 1.91 | 1.68 | 1.89 | 1.82 | 1.68 | 2.03 | 2.68 | 1.75 | 1.74 |
EBITDA per Share |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.16 | - | 0.15 | - | 0.06 | - | 0.52 | 0.35 | 0.17 | - | 0.51 | 0.34 | 0.16 | - | 0.33 | 0.22 | 0.11 | - | 0.3 | 0.2 | 0.09 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
13.18 | 11.24 | 9.36 | 9.38 | 7.33 | 6.78 | 7.37 | 7.08 | 7.45 | 9.61 | 10.15 | 11.24 | 13.58 | 8.89 | 7.69 | 6.86 | 3.97 | 4.93 | 6.07 | 4.74 | 4.46 | 6.24 | 4.94 | 3.18 | 4.28 | 4.94 | 5.42 | 7.50 | 6.78 | 8.07 | 8.75 | 8.47 | 19.89 | 18.70 | 18.70 | 19.04 | 9.01 | 9.43 | 10.33 | 9.89 | 9.87 | 8.43 | 7.22 | 8.18 | 8.25 | 9.13 | 9.83 | 9.74 | 9.46 | 9.54 | 5.88 | 7.06 | 7.84 | 7.61 | 10.49 | 9.14 | 8.30 | 8.52 | 8.61 | 9.38 | 11.13 | 11.38 | 12.11 | 4.13 | 2.57 | 2.86 |
ROA % |
1.04 | 0.94 | 0.80 | 0.82 | 0.65 | 0.61 | 0.66 | 0.64 | 0.68 | 0.88 | 0.92 | 1.01 | 1.19 | 0.77 | 0.76 | 0.64 | 0.27 | 0.36 | 0.75 | 0.70 | 0.68 | 0.97 | 0.77 | 0.51 | 0.66 | 0.74 | 0.81 | 1.13 | 1.00 | 1.12 | 1.18 | 1.11 | 2.95 | 2.86 | 2.93 | 3.01 | 1.36 | 1.36 | 1.42 | 1.32 | 1.29 | 1.08 | 0.89 | 1.00 | 1.10 | 1.29 | 1.47 | 1.53 | 1.47 | 1.46 | 0.89 | 1.06 | 1.24 | 1.25 | 1.73 | 1.57 | 1.45 | 1.52 | 1.56 | 1.73 | 1.96 | 1.98 | 2.06 | 0.68 | 0.44 | 0.47 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 |
Quarterly performance
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All numbers in USD currency
Multiples are an important financial analysis tool for the company Reinsurance Group of America, Incorporated, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
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Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
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Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.