7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) P/E Ratio History
Deep ValueTrading at 1.5x · 7th percentile of 5-year range · Significant discount to historical valuation · Data 2022–2026
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P/E Ratio Analysis
The current P/E is 38% below its 5-year average of 2.4x. Over the past five years, RZC's P/E has ranged from a low of 1.4x to a high of 4.1x, placing the current valuation at the 7th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.1x, RZC trades at a 90% discount to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 162.0x.
The PEG ratio of 0.06 (P/E divided by 65% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, RZC trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our RZC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
RZC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
RZC P/E vs Peers
Reinsurance (P&C and life) peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $314B | 19.9 | 1.27 | +27% | |
| $334B | 20.8 | 2.17 | +28% | |
| $10B | 17.2 | 13.03 | -5% | |
| $4B | 18.6 | - | -19% | |
| $9B | 21.4 | 3.31 | +7% | |
| $5B | 21.4 | - | +65% | |
| $4B | 21.7 | 2.49 | +36% | |
| $612M | 3.2Lowest | 0.11Best | +168%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
RZC Historical P/E Data (2022–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $25.41 | $13.45 | 1.9x | -20% |
| FY2025 Q4 | Dec 31 2025 | $25.44 | $17.72 | 1.4x | -39% |
| FY2025 Q3 | - | $25.85 | $12.97 | 2.0x | -16% |
| FY2025 Q2 | Jun 30 2025 | $25.44 | $11.52 | 2.2x | -7% |
| FY2025 Q1 | Mar 31 2025 | $25.72 | $11.85 | 2.2x | -8% |
| FY2024 Q4 | - | $25.80 | $10.74 | 2.4x | +2% |
| FY2024 Q3 | Sep 30 2024 | $26.51 | $10.89 | 2.4x | +3% |
| FY2024 Q2 | Jun 30 2024 | $26.12 | $12.85 | 2.0x | -14% |
| FY2024 Q1 | Mar 31 2024 | $25.89 | $12.87 | 2.0x | -15% |
| FY2023 Q4 | Dec 31 2023 | $26.08 | $13.43 | 1.9x | -18% |
| FY2023 Q3 | Sep 30 2023 | $26.14 | $14.07 | 1.9x | -21% |
| FY2023 Q2 | Jun 30 2023 | $25.46 | $8.65 | 2.9x | +25% |
| FY2023 Q1 | Mar 31 2023 | $26.30 | $7.15 | 3.7x | +56% |
| FY2022 Q4 | Dec 31 2022 | $25.95 | $6.34 | 4.1x | +73% |
Average P/E for displayed period: 2.4x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
4+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
RZC — Frequently Asked Questions
Quick answers to the most common questions about buying RZC stock.
What is RZC's P/E ratio?
7.125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) trailing twelve-month P/E ratio is 1.5x, based on TTM diluted EPS of N/A. The 5-year average P/E is 2.4x and the historical range spans 1.4x to 4.1x.
Is RZC stock overvalued or undervalued?
RZC trades at 1.5x P/E, below its 5-year average of 2.4x. At the 7th percentile of its historical range (1.4x–4.1x), the stock is priced at a discount to its own history.
Is RZC stock expensive?
No, RZC is not expensive on a historical basis. The current P/E of 1.5x is below the 5-year average of 2.4x and sits at the 7th percentile of its valuation range.
What is RZC's historical P/E range?
Over the past 5 years, RZC's P/E ratio has ranged from 1.4x to 4.1x, with a median of 2.2x and an average of 2.4x. The current P/E of 1.5x places the stock at the 7th percentile of this range. Full historical data spans 2022–2026.
How does RZC's P/E compare to the S&P 500?
RZC trades at 1.5x P/E versus the S&P 500 median of 25.1x. The 94% discount to the market suggests lower growth expectations or perceived higher risk.
How does RZC's valuation compare to Financial Services peers?
7.125% Fixed-Rate Reset Subordinated Debentures due 2052 P/E of 1.5x compares to the Financial Services sector median of 14.1x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is RZC's PEG ratio?
RZC PEG ratio is 0.06, based on a P/E of 1.5x and EPS growth of 64.9%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is RZC's earnings yield?
RZC earnings yield is 68.65%, the inverse of its 1.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.