RZC
7.125% Fixed-Rate Reset Subordinated Debentures due 2052
Insurance - Diversified
Market Cap$1.70B
5Y Perf.+0.2%
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Stock Comparison
RZC vs JEF
Revenue, margins, valuation, and 5-year total return — side by side.
JEF
Jefferies Financial Group Inc.
Financial - Capital Markets
Market Cap$10.62B
5Y Perf.+56.5%
RZC vs JEF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RZC | JEF |
|---|---|---|
| Industry | Insurance - Diversified | Financial - Capital Markets |
| Market Cap | $1.70B | $10.62B |
| Revenue (TTM) | $23.41B | $10.82B |
| Net Income (TTM) | $1.18B | $819M |
| Gross Margin | 16.8% | 59.7% |
| Operating Margin | 6.6% | 6.3% |
| Forward P/E | 1.4x | 14.7x |
| Total Debt | $5.71B | $1.77B |
| Cash & Equiv. | $4.17B | $14.04B |
RZC vs JEF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RZC
JEF
| Stock | Oct 22 | May 26 | Return |
|---|---|---|---|
| 7.125% Fixed-Rate R… (RZC) | 100 | 100.2 | +0.2% |
| Jefferies Financial… (JEF) | 100 | 156.5 | +56.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RZC vs JEF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RZC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Jefferies Financial Group Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
RZC
7.125% Fixed-Rate Reset Subordinated Debentures due 2052
The Insurance Pick
RZC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 18 yrs, beta 0.12, yield 14.2%
- Rev growth 3.4%, EPS growth 64.9%, 3Y rev CAGR 12.8%
- Lower volatility, beta 0.12, Low D/E 42.1%
Best for: income & stability and growth exposure
JEF
Jefferies Financial Group Inc.
The Banking Pick
JEF is the clearest fit if your priority is long-term compounding.
- 300.2% 10Y total return vs RZC's 25.3%
- 6.6% margin vs RZC's 5.0%
- +8.9% vs RZC's +4.3%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RZC | 3.4% revenue growth vs JEF's 2.9% |
| Value | RZC | Lower P/E (1.4x vs 14.7x), PEG 0.06 vs 11.15 |
| Quality / Margins | JEF | 6.6% margin vs RZC's 5.0% |
| Stability / Safety | RZC | Beta 0.12 vs JEF's 1.97 |
| Dividends | RZC | 14.2% yield, 18-year raise streak, vs JEF's 3.3% |
| Momentum (1Y) | JEF | +8.9% vs RZC's +4.3% |
| Efficiency (ROA) | JEF | 1.1% ROA vs RZC's 0.8%, ROIC 2.4% vs 8.3% |
RZC vs JEF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
RZC vs JEF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRZCLAGGINGJEF
JEFJefferies Financial G…
1leads
RZC7.125% Fixed-Rate Res…
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6 Total Categories
CATEGORYLEADERvs JEFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RZC3/5
Valuation MetricsMultiples, price ratios, and targets
RZC5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RZC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
JEF5/6
Risk & VolatilityBeta, volatility, and downside exposure
RZC2/2
Analyst OutlookRatings, price targets, and dividends
RZC2/2
Income & Cash Flow (Last 12 Months)
RZC leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
RZC is the larger business by revenue, generating $23.4B annually — 2.2x JEF's $10.8B. Profitability is closely matched — net margins range from 6.6% (JEF) to 5.0% (RZC).
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| RevenueTrailing 12 months | $23.4B | $10.8B |
| EBITDAEarnings before interest/tax | $1.9B | $24M |
| Net IncomeAfter-tax profit | $1.2B | $819M |
| Free Cash FlowCash after capex | $4.1B | $911M |
| Gross MarginGross profit ÷ Revenue | +16.8% | +59.7% |
| Operating MarginEBIT ÷ Revenue | +6.6% | +6.3% |
| Net MarginNet income ÷ Revenue | +5.0% | +6.6% |
| FCF MarginFCF ÷ Revenue | +17.5% | +3.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +21.9% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +2.1% | -8.6% |
RZC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
RZC leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 1.4x trailing earnings, RZC trades at a 92% valuation discount to JEF's 18.2x P/E. Adjusting for growth (PEG ratio), RZC offers better value at 0.06x vs JEF's 13.75x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| Market CapShares × price | $1.7B | $10.6B |
| Enterprise ValueMkt cap + debt − cash | $3.2B | -$1.7B |
| Trailing P/EPrice ÷ TTM EPS | 1.43x | 18.19x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 14.75x |
| PEG RatioP/E ÷ EPS growth rate | 0.06x | 13.75x |
| EV / EBITDAEnterprise value multiple | 2.05x | -1.89x |
| Price / SalesMarket cap ÷ Revenue | 0.07x | 0.98x |
| Price / BookPrice ÷ Book value/share | 0.12x | 1.08x |
| Price / FCFMarket cap ÷ FCF | 0.42x | 31.88x |
RZC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
RZC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
RZC delivers a 9.4% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $8 for JEF. JEF carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to RZC's 0.42x. On the Piotroski fundamental quality scale (0–9), RZC scores 7/9 vs JEF's 6/9, reflecting strong financial health.
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| ROE (TTM)Return on equity | +9.4% | +7.7% |
| ROA (TTM)Return on assets | +0.8% | +1.1% |
| ROICReturn on invested capital | +8.3% | +2.4% |
| ROCEReturn on capital employed | +1.1% | +1.1% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.42x | 0.17x |
| Net DebtTotal debt minus cash | $1.5B | -$12.3B |
| Cash & Equiv.Liquid assets | $4.2B | $14.0B |
| Total DebtShort + long-term debt | $5.7B | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 5.21x | 0.05x |
RZC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
JEF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JEF five years ago would be worth $17,863 today (with dividends reinvested), compared to $12,535 for RZC. Over the past 12 months, JEF leads with a +8.9% total return vs RZC's +4.3%. The 3-year compound annual growth rate (CAGR) favors JEF at 22.6% vs RZC's 6.1% — a key indicator of consistent wealth creation.
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| YTD ReturnYear-to-date | +1.2% | -18.3% |
| 1-Year ReturnPast 12 months | +4.3% | +8.9% |
| 3-Year ReturnCumulative with dividends | +19.4% | +84.2% |
| 5-Year ReturnCumulative with dividends | +25.3% | +78.6% |
| 10-Year ReturnCumulative with dividends | +25.3% | +300.2% |
| CAGR (3Y)Annualised 3-year return | +6.1% | +22.6% |
JEF leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
RZC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RZC is the less volatile stock with a 0.12 beta — it tends to amplify market swings less than JEF's 1.97 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RZC currently trades 96.5% from its 52-week high vs JEF's 72.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.12x | 1.97x |
| 52-Week HighHighest price in past year | $26.29 | $71.04 |
| 52-Week LowLowest price in past year | $25.01 | $35.53 |
| % of 52W HighCurrent price vs 52-week peak | +96.5% | +72.5% |
| RSI (14)Momentum oscillator 0–100 | 48.0 | 70.9 |
| Avg Volume (50D)Average daily shares traded | 91K | 2.8M |
RZC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RZC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, RZC offers the higher dividend yield at 14.18% vs JEF's 3.26%.
| Metric | RZC7.125% Fixed-Rate… | JEFJefferies Financi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $67.75 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | +14.2% | +3.3% |
| Dividend StreakConsecutive years of raises | 18 | 9 |
| Dividend / ShareAnnual DPS | $3.60 | $1.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +10.2% | +0.6% |
RZC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RZC leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). JEF leads in 1 (Total Returns).
Best Overall7.125% Fixed-Rate Reset Sub… (RZC)Leads 5 of 6 categories
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RZC vs JEF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is RZC or JEF a better buy right now?
For growth investors, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the stronger pick with 3. 4% revenue growth year-over-year, versus 2. 9% for Jefferies Financial Group Inc. (JEF). 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) offers the better valuation at 1. 4x trailing P/E, making it the more compelling value choice. Analysts rate Jefferies Financial Group Inc. (JEF) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — RZC or JEF?
On trailing P/E, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the cheapest at 1. 4x versus Jefferies Financial Group Inc. at 18. 2x.
03Which is the better long-term investment — RZC or JEF?
Over the past 5 years, Jefferies Financial Group Inc.
(JEF) delivered a total return of +78. 6%, compared to +25. 3% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC). Over 10 years, the gap is even starker: JEF returned +300. 2% versus RZC's +25. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — RZC or JEF?
By beta (market sensitivity over 5 years), 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the lower-risk stock at 0. 12β versus Jefferies Financial Group Inc. 's 1. 97β — meaning JEF is approximately 1562% more volatile than RZC relative to the S&P 500. On balance sheet safety, Jefferies Financial Group Inc. (JEF) carries a lower debt/equity ratio of 17% versus 42% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 — giving it more financial flexibility in a downturn.
05Which is growing faster — RZC or JEF?
By revenue growth (latest reported year), 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is pulling ahead at 3. 4% versus 2. 9% for Jefferies Financial Group Inc. (JEF). On earnings-per-share growth, the picture is similar: 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 grew EPS 64. 9% year-over-year, compared to -5. 4% for Jefferies Financial Group Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — RZC or JEF?
Jefferies Financial Group Inc.
(JEF) is the more profitable company, earning 6. 6% net margin versus 5. 2% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 — meaning it keeps 6. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RZC leads at 6. 8% versus 6. 3% for JEF. At the gross margin level — before operating expenses — JEF leads at 59. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — RZC or JEF?
All stocks in this comparison pay dividends.
7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) offers the highest yield at 14. 2%, versus 3. 3% for Jefferies Financial Group Inc. (JEF).
08Is RZC or JEF better for a retirement portfolio?
For long-horizon retirement investors, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 12), 14. 2% yield). Jefferies Financial Group Inc. (JEF) carries a higher beta of 1. 97 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (RZC: +25. 3%, JEF: +300. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between RZC and JEF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: RZC is a small-cap deep-value stock; JEF is a mid-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(RZC: 21.9% · JEF: 2.9%)Net Margin>
%
(RZC: 5.0% · JEF: 6.6%)P/E Ratio<
x
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