VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesMarketEarningsCompareWatchlistInsider
RZC7.125% Fixed-Rate Reset Subordinated Debentures due 2052
$25.71$1.7B
Research
Overview
Valuation
ValuationTargetsPrice
Financials
RevenueEarningsP/ERatiosDividend
Ownership
Holders
Tools
Total ReturnDCA Calculator
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

Follow VCP Scanner on XFollow VCP Scanner on LinkedIn
© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist

RZC logo7.125% Fixed-Rate Reset Subordinated Debentures due 2052(RZC)Earnings, Financials & Key Ratios

RZC•NYSE•Insurance & Managed Care
1.5× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryReinsurance (P&C and life)
AboutReinsurance Group of America, Inc. is a holding company, which engages in the provision of traditional and non-traditional life and health reinsurance products. It operates through the following segments: U.S. and Latin America, Canada, Europe, Middle East, and Africa, Asia Pacific, and Corporate and Other. The U.S. and Latin America segment markets individual and group life and health reinsurance to domestic clients for a variety of products through yearly renewable term agreements, coinsurance, and modified coinsurance. The Canada segment offers individual life reinsurance, and, to a lesser extent, creditor, group life and health, critical illness, and disability reinsurance, through yearly renewable term and coinsurance agreements. The Europe, Middle East, and Africa segment serves individual and group life and health products through yearly renewable term and coinsurance agreements, reinsurance of critical illness coverage that provides a benefit in the event of the diagnosis of a pre-defined critical illness, and underwritten annuities. The Asia Pacific segment consists of individual and group life and health reinsurance, critical illness coverage, disability, and superannuation through yearly renewable term and coinsurance agreements. The Corporate and Other segment consists of investment income from unallocated invested assets, investment related gains, and losses and service fees. The company was founded in 1973 and is headquartered in Chesterfield, MO.Show more
  • Revenue$22.79B+3.4%
  • Combined Ratio93.24%-2.4%
  • Net Income$1.18B+64.9%
  • Return on Equity9.67%+35.3%
  • Medical Cost Ratio74.6%-15.9%
  • Operating Margin6.76%+52.0%
  • Net Margin5.19%+59.4%
  • ROA0.86%+29.5%
  • Equity / Assets8.65%-5.8%

RZC Key Insights

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 93.2% combined ratio
  • ✓Strong 5Y profit CAGR of 23.3%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Trading near 52-week high
  • ✓Trading at only 0.1x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when RZC posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

RZC Price & Volume

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) stock price & volume — 10-year historical chart

Loading chart...

RZC Growth Metrics

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.14%
5 Years9.34%
3 Years12.8%
TTM-13.55%

Profit CAGR

10 Years8.94%
5 Years23.29%
3 Years31.74%
TTM13.03%

EPS CAGR

10 Years9.02%
5 Years22.9%
3 Years32.3%
TTM13.5%

Return on Capital

10 Years1.33%
5 Years1.13%
3 Years1.1%
Last Year1.12%

RZC Recent Earnings

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$6.97
—
Rev
—
—
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$7.75
—
Rev
$6.6B
—
Q1 2024
Feb 1, 2024
Metric
Actual
Est
EPS
$4.73
—
Rev
$5.0B
—
Q4 2023
Nov 2, 2023
Metric
Actual
Est
EPS
$5.57
—
Rev
—
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$6.97
—
Q1 2026Feb 5, 2026
$7.75
$6.6B
Q1 2024Feb 1, 2024
$4.73
$5.0B
Q4 2023Nov 2, 2023
$5.57
—
Based on last 8 quarters of dataView full earnings history →

RZC Peer Comparison

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) competitors in Reinsurance (P&C and life) — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GS logoGSThe Goldman Sachs Group, Inc.Product Competitor348.27B1096.5621.37-1.38%13.73%13.58%4.88
MS logoMSMorgan StanleyProduct Competitor355.51B223.1721.8811.48%14.66%15.3%4.22
JEF logoJEFJefferies Financial Group Inc.Product Competitor13.83B62.1021.942.93%6.56%6.8%2.23
LAZ logoLAZLazard LtdProduct Competitor4.16B44.3020.413.25%7.5%26.7%2.61
HLI logoHLIHoulihan Lokey, Inc.Product Competitor9.82B140.7724.1924.81%16.91%20.14%0.20
MC logoMCMoelis & CompanyProduct Competitor4.93B67.1822.8526.98%15.36%37.88%0.39
PJT logoPJTPJT Partners Inc.Product Competitor3.76B155.4723.2714.77%10.32%20.08%0.41
OXSQ logoOXSQOxford Square Capital Corp.Supply Chain117.26M1.34-5.3632.01%-24.71%1.08

Compare RZC vs Peers

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GS

Most directly comparable listed peer for RZC.

Scale Benchmark

vs MS

Larger-name benchmark to compare RZC against a more recognizable public peer.

Peer Set

Compare Top 5

vs GS, MS, JEF, LAZ

RZC Income Statement

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
12.52B12.88B14.2B14.58B16.06B15.88B18.39B22.04B22.79B18.13B
Revenue Growth %
8.63%2.88%10.27%2.71%10.13%-1.13%15.82%19.85%3.39%-13.55%
Medical Costs & Claims
10.49B11.07B12.1B13.04B14.21B14.31B16.06B19.55B17B14.97B
Medical Cost Ratio %
83.8%85.95%85.2%89.41%88.46%90.11%87.33%88.71%74.6%82.6%
Gross Profit
2.03B▲ 0%
1.81B▼ 10.8%
2.1B▲ 16.1%
1.54B▼ 26.5%
1.85B▲ 20.1%
1.57B▼ 15.3%
2.33B▲ 48.4%
2.49B▲ 6.7%
5.79B▲ 132.6%
3.15B▲ 0%
Gross Margin %
16.2%14.05%14.8%10.59%11.54%9.89%12.67%11.29%25.4%17.37%
Gross Profit Growth %
9.45%-10.8%16.14%-26.51%20.08%-15.26%48.38%6.74%132.64%-
Operating Expenses
885M963M969M991M469M853M1.17B1.51B4.25B1.98B
OpEx / Revenue %
7.07%7.48%6.82%6.8%2.92%5.37%6.37%6.84%18.64%10.91%
Depreciation & Amortization
53M45M49M49M43M38M41M46M43M0
Combined Ratio %
90.87%93.43%92.03%96.21%91.38%95.48%93.69%95.55%93.24%93.5%
Operating Income
1.14B▲ 0%
846M▼ 26.0%
1.13B▲ 33.8%
553M▼ 51.1%
1.39B▲ 150.5%
718M▼ 48.2%
1.16B▲ 61.6%
980M▼ 15.5%
1.54B▲ 57.1%
1.17B▲ 0%
Operating Margin %
9.13%6.57%7.97%3.79%8.62%4.52%6.31%4.45%6.76%6.46%
Operating Income Growth %
9.49%-25.98%33.81%-51.15%150.45%-48.16%61.56%-15.52%57.14%-
EBITDA
1.2B891M1.18B602M1.43B756M1.2B1.03B1.58B1.46B
EBITDA Margin %
9.56%6.92%8.32%4.13%8.89%4.76%6.53%4.65%6.95%8.04%
Interest Expense
146M147M173M170M139M191M257M304M366M286.1M
Non-Operating Income
-146M-147M-173M-170M-139M-191M-257M-304M-366M-286M
Pretax Income
1.14B▲ 0%
846M▼ 26.0%
1.13B▲ 33.8%
553M▼ 51.1%
1.39B▲ 150.5%
718M▼ 48.2%
1.16B▲ 61.6%
980M▼ 15.5%
1.54B▲ 57.1%
1.17B▲ 0%
Pretax Margin %
9.13%6.57%7.97%3.79%8.62%4.52%6.31%4.45%6.76%6.46%
Income Tax
-679M130M262M138M215M197M251M256M351M270.11M
Effective Tax Rate %
-59.41%15.37%23.14%24.95%15.52%27.44%21.64%26.12%22.79%23.06%
Net Income
1.82B▲ 0%
716M▼ 60.7%
870M▲ 21.5%
415M▼ 52.3%
1.17B▲ 181.9%
517M▼ 55.8%
902M▲ 74.5%
717M▼ 20.5%
1.18B▲ 64.9%
896.33M▲ 0%
Net Margin %
14.56%5.56%6.13%2.85%7.28%3.26%4.9%3.25%5.19%4.94%
Net Income Growth %
159.75%-60.7%21.51%-52.3%181.93%-55.81%74.47%-20.51%64.85%13.03%
EPS (Diluted)
27.71▲ 0%
11.00▼ 60.3%
13.62▲ 23.8%
6.31▼ 53.7%
9.04▲ 43.3%
7.64▼ 15.5%
13.44▲ 75.9%
10.73▼ 20.2%
17.69▲ 64.9%
-▲ 0%
EPS Growth %
156.81%-60.3%23.82%-53.67%43.26%-15.49%75.92%-20.16%64.86%13.5%
EPS (Basic)
28.2811.2513.886.359.107.7313.6010.9017.94-
Diluted Shares Outstanding
65.75M65.09M63.88M65.8M68.3M67.7M67.1M66.9M66.73M0

RZC Balance Sheet

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
60.51B64.54B76.73B84.66B92.17B84.9B97.62B118.67B156.59B164.06B
Asset Growth %
13.97%6.64%18.9%10.33%8.88%-7.89%14.98%21.56%31.95%107.78%
Total Investment Assets
51.69B54.21B66.56B72.4B78.53B70.48B78.9B98.04B130.48B4M
Long-Term Investments
51.69B54.21B66.56B72.4B78.53B70.48B78.9B98.04B130.48B367.99B
Short-Term Investments
000000000107.33B
Total Current Assets
3.64B4.91B4.39B6.25B5.84B5.94B6.5B7.22B8.64B112.32B
Cash & Equivalents
1.3B1.89B1.45B3.41B2.95B2.93B2.97B3.33B4.17B4.99B
Receivables
2.34B3.02B2.94B2.84B2.89B3.01B3.53B3.9B4.47B12.71B
Other Current Assets
0000000000
Goodwill & Intangibles
204.8M40M33M25M12M14M11M8M6M6M
Goodwill
7M7M7M7M7M00000
Intangible Assets
197.8M33M26M18M5M14M11M8M6M0
PP&E (Net)
302.2M302.1M296M291M284M408M416M450M480M0
Other Assets
4.67B5.08B5.46B5.69B7.51B8.06B11.8B12.95B16.98B0
Total Liabilities
50.95B56.08B65.13B70.3B79.16B77.73B88.45B107.77B143.04B150.68B
Total Debt
3.57B3.47B3.58B3.96B3.85B3.96B4.43B5.04B5.71B6.11B
Net Debt
2.27B1.58B2.13B553M899M1.03B1.46B1.72B1.54B1.11B
Long-Term Debt
3.57B3.47B3.58B3.96B3.85B3.96B4.43B5.04B5.71B6.11B
Short-Term Debt
0000000000
Total Current Liabilities
0000000003.18B
Accounts Payable
0000000000
Deferred Revenue
0000000000
Other Current Liabilities
0000000003.18B
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K8.04B
Other Liabilities
45.17B50.82B58.84B63.08B72.43B72.39B82.16B100.53B134.33B141.39B
Total Equity
9.57B▲ 0%
8.45B▼ 11.7%
11.6B▲ 37.3%
14.35B▲ 23.7%
13.01B▼ 9.3%
7.17B▼ 44.9%
9.17B▲ 27.9%
10.91B▲ 18.9%
13.55B▲ 24.3%
13.38B▲ 0%
Equity Growth %
34.91%-11.69%37.28%23.71%-9.32%-44.9%27.89%18.92%24.25%80.81%
Shareholders Equity
9.57B8.45B11.6B14.35B13.01B7.08B9.08B10.82B13.46B13.29B
Minority Interest
0000090M90M90M90M90M
Retained Earnings
6.74B7.28B7.95B8.15B8.56B8.17B8.8B9.26B10.15B10.38B
Common Stock
791K791K1M1M1M1M1M1M1M1M
Accumulated OCI
2.06B636.76M3.14B5.36B3.64B-1.87B-369M849M2.68B2.31B
Return on Equity (ROE)
21.87%7.95%8.68%3.2%8.55%5.12%11.04%7.14%9.67%6.88%
Return on Assets (ROA)
3.21%1.15%1.23%0.51%1.32%0.58%0.99%0.66%0.86%0.59%
Equity / Assets
15.81%13.09%15.12%16.95%14.12%8.45%9.39%9.19%8.65%8.16%
Debt / Equity
0.37x0.41x0.31x0.28x0.30x0.55x0.48x0.46x0.42x0.46x
Book Value per Share
145.54129.82181.60218.12190.54105.92136.68163.02203.07-
Tangible BV per Share
142.42129.21181.08217.74190.37105.72136.51162.90202.98-

RZC Cash Flow Statement

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
1.98B1.58B2.31B3.32B4.18B1.34B4.04B9.37B4.09B5.54B
Operating CF Growth %
35.24%-20.24%45.91%44%25.89%-67.89%201.12%131.7%-56.34%31.88%
Operating CF / Revenue %
15.84%12.28%16.25%22.78%26.04%8.46%21.99%42.51%17.95%30.53%
Net Income
1.82B715.84M870M415M617M517M902M717M1.18B896.33M
Depreciation & Amortization
53M45.13M49M3M-11M38M41M46M43M0
Stock-Based Compensation
0039M0000000
Deferred Taxes
076.51M0-16M000000
Other Non-Cash Items
-249.14M5.38M-31M-62M-731M346M-34M343M-301M4.6B
Working Capital Changes
356.27M738.26M1.38B2.98B4.31B442M3.13B8.26B3.17B0
Cash from Investing
-1.61B-636.55M-2.64B-2.68B-4.63B-5.69B-4.07B-12.54B-12.09B-14.1B
Capital Expenditures
-44.21M-28.89M-34M-28M-19M-25M0000
Acquisitions
0-31.44M4M-173M-287M17M-77M-320M00
Purchase of Investments
-8.94B-10.1B-16.28B-10.26B-18.28B-17.07B-13.25B-41.69B-43.67B-47.4B
Sale/Maturity of Investments
8.04B10.14B14.11B7.67B13.83B11.47B8.55B30.49B32.19B33.98B
Other Investing
-657.07M-615.69M-442M115M129M-77M711M-1.03B-613M-678M
Cash from Financing
-324.62M-321.97M-121M1.25B20M4.44B78M3.66B8.8B8.4B
Dividends Paid
-117.29M-140.11M-163M-182M-194M-205M-219M-229M-240M-242M
Share Repurchases
-44M-299.68M-101M-163M-99M-81M-227M-27M-174M-230M
Stock Issued
000481M00004M4M
Debt Issuance (Net)
-1000K-1000K1000K1000K-1000K1000K1000K1000K1000K-3M
Other Financing
207.67M217.14M38M737M430M4.62B62M3.31B8.55B8.8B
Net Change in Cash
102.81M▲ 0%
586.21M▲ 470.2%
-441M▼ 175.2%
1.96B▲ 544.2%
-460M▼ 123.5%
-21M▲ 95.4%
43M▲ 304.8%
356M▲ 727.9%
842M▲ 136.5%
-158M▲ 0%
Exchange Rate Effect
52.69M-36.39M11M63M-34M-112M-13M-130M47M6M
Cash at Beginning
1.2B1.3B1.89B1.45B3.41B2.95B2.93B2.97B3.33B4.17B
Cash at End
1.3B1.89B1.45B3.41B2.95B2.93B2.97B3.33B4.17B4.99B
Free Cash Flow
1.94B▲ 0%
1.55B▼ 19.9%
2.27B▲ 46.4%
3.29B▲ 44.9%
4.16B▲ 26.4%
1.32B▼ 68.3%
4.04B▲ 206.8%
9.37B▲ 131.7%
4.09B▼ 56.3%
5.54B▲ 0%
FCF Growth %
36.38%-19.91%46.43%44.92%26.38%-68.34%206.83%131.7%-56.34%9.32%
FCF Margin %
15.48%12.06%16.01%22.59%25.92%8.3%21.99%42.51%17.95%30.53%
FCF per Share
29.4823.8535.5850.0660.9519.4760.27140.0661.31-

RZC Key Ratios

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
90.87%93.43%92.03%96.21%91.38%95.48%93.69%95.55%93.24%93.5%
Medical Cost Ratio
83.8%85.95%85.2%89.41%88.46%90.11%87.33%88.71%74.6%82.6%
Return on Equity (ROE)
21.87%7.95%8.68%3.2%8.55%5.12%11.04%7.14%9.67%6.88%
Return on Assets (ROA)
3.21%1.15%1.23%0.51%1.32%0.58%0.99%0.66%0.86%0.59%
Equity / Assets
15.81%13.09%15.12%16.95%14.12%8.45%9.39%9.19%8.65%8.16%
Book Value / Share
145.54129.82181.6218.12190.54105.92136.68163.02203.07-
Debt / Equity
0.37x0.41x0.31x0.28x0.30x0.55x0.48x0.46x0.42x0.46x
Revenue Growth
8.63%2.88%10.27%2.71%10.13%-1.13%15.82%19.85%3.39%-13.55%
Related:RZC Dividend History·RZC Revenue History·RZC Price History·RZC P/E History·RZC Financial Ratios·RZC Institutional Holders

RZC SEC Filings & Documents

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

May 1, 2026·SEC

Material company update

Mar 20, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

RZC Frequently Asked Questions

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) grew revenue by 3.4% over the past year. Growth has been modest.

Yes, 7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is profitable, generating $896.3M in net income for fiscal year 2025 (5.2% net margin).

Dividend & Returns

Yes, 7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) pays a dividend with a yield of 13.99%. This makes it attractive for income-focused investors.

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.

Industry Metrics

7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) has a combined ratio of 93.2%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in RZC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

How much would $100/month in RZC be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →