Touchstone
Last syncNov 5, 2026, 7:25 PM ET

RZC

Reinsurance Group Of America Inc Russell 3000
$25.46Close $2.2BMarket cap $24.09 – $25.5952-week range Nov 5, 2026Next report · after the close

Highlights

Strengths

  • Near its high 1% below its 52-week high
  • Earnings growing EPS +161% year on year, faster than the quarter before (+143 pts)

Cautions

  • Not in an uptrend 5 of 8 trend conditions
  • Distribution down-day volume 2.0× up-day volume over 50 sessions
  • Results soon Nov 5, 2026, today

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 1%
1wk up 0.7% price change
1mo up 1.2% price change
12-month return up 5% market up 9% · its own down 4%
F-score — — Not assessed
Altman Z — Unknown
P/E 1.8× price / earnings
PEG 0.03 P/E / EPS growth
P/B 0.2× price / book
Earnings yield up 51.3% EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 7% year on year
EPS growth up 161% latest quarter · +143 pts
Sales growth up 19% latest quarter · -5 pts
ROE up 10% return on equity
Free cash margin up 17% $4.1B FCF
D/E 0.42 long-term debt / equity
Net debt / EBITDA 0.8×
Interest cover 5.2×EBIT / interest

Trade setup

ATR% 0.9% $0.22 a day · 2×ATR $25.03
RS 50 / 99 vs the universe
Trend 5 / 8 50-day under the 150/200-day, under 30% off the low, RS under 70
Relative volume 0.5× vs 50-day average
Up/down volume 0.51 50 sessions
Implied move — no option chain · report Nov 5, 2026
Trend template · 5 of 8
  • Price above the 150 and 200-day averages: passes
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: passes
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • Interest covered
  • No material dilution
  • Profits tracking cash
  • Margins and revenue not shrinking
Last reported Nov 5, 2026
Results reaction Nov 5, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $23.7B +7% on FY2024
$0 $25B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $14.6B FY2021 · $16.7B FY2022 · $16.2B FY2023 · $18.6B FY2024 · $22.1B FY2025 · $23.7B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $1.2B +65% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $415.0M FY2021 · $617.0M FY2022 · $623.0M FY2023 · $902.0M FY2024 · $717.0M FY2025 · $1.2B
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $4.1B -56% on FY2024
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $3.3B FY2021 · $4.2B FY2022 · $1.3B FY2023 · $4.0B FY2024 · $9.4B FY2025 · $4.1B
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 5%
  • Free cash 17%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 3% · Free cash 23% FY2021 · Net 4% · Free cash 25% FY2022 · Net 4% · Free cash 8% FY2023 · Net 5% · Free cash 22% FY2024 · Net 3% · Free cash 42% FY2025 · Net 5% · Free cash 17%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $1.5B net debt
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $2.9B · Long-term debt $3.6B FY2021 · Cash $2.9B · Long-term debt $3.7B FY2022 · Cash $2.9B · Long-term debt $4.0B FY2023 · Cash $3.0B · Long-term debt $4.4B FY2024 · Cash $3.3B · Long-term debt $5.0B FY2025 · Cash $4.2B · Long-term debt $5.7B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 85.31m +0.0% since FY2020
85.31m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 85.31m FY2021 · 85.31m FY2022 · 85.31m FY2023 · 85.31m FY2024 · 85.31m FY2025 · 85.31m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $14.6B $16.7B $16.2B $18.6B $22.1B $23.7B
Net income $415.0M $617.0M $623.0M $902.0M $717.0M $1.2B
Net margin 3% 4% 4% 5% 3% 5%
Earnings per share $6.31 $9.03 $9.20 $13.44 $10.72 $17.69
Free cash flow $3.3B $4.2B $1.3B $4.0B $9.4B $4.1B
Free cash margin 23% 25% 8% 22% 42% 17%
Cash $2.9B $2.9B $2.9B $3.0B $3.3B $4.2B
Long-term debt $3.6B $3.7B $4.0B $4.4B $5.0B $5.7B
Shareholders' equity $14.4B $8.2B $7.1B $9.1B $10.8B $13.5B
Shares outstanding 85.31m 85.31m 85.31m 85.31m 85.31m 85.31m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Feb 20, 2026 Annual ↗ Dec 31, 2025 51d
Oct 31, 2025 Quarterly ↗ Sep 30, 2025 31d
Aug 1, 2025 Quarterly ↗ Jun 30, 2025 32d
May 2, 2025 Quarterly ↗ Mar 31, 2025 32d
Feb 21, 2025 Annual ↗ Dec 31, 2024 52d
Nov 1, 2024 Quarterly ↗ Sep 30, 2024 32d
Aug 2, 2024 Quarterly ↗ Jun 30, 2024 33d
May 3, 2024 Quarterly ↗ Mar 31, 2024 33d
Feb 26, 2024 Annual ↗ Dec 31, 2023 57d
Nov 3, 2023 Quarterly ↗ Sep 30, 2023 34d

Current reports

FiledDisclosed
Nov 5, 2026 Results · Regulation FD ↗
Aug 6, 2026 Results · Regulation FD ↗
Jul 9, 2026 Director or officer change ↗
Jul 1, 2026 Director or officer change · Regulation FD ↗
Jun 22, 2026 Director or officer change · Regulation FD ↗
May 21, 2026 Director or officer change · Shareholder vote ↗
May 7, 2026 Results · Regulation FD ↗
May 1, 2026 Other events ↗
Mar 20, 2026 Director or officer change ↗
Mar 19, 2026 Director or officer change · Regulation FD ↗
Mar 3, 2026 Material agreement · New obligation · Other events ↗
Feb 5, 2026 Results · Regulation FD ↗