RZC
Financial ServicesReinsurance Group of America, Incorporated · Insurance - Diversified · $16B
What is Reinsurance Group of America, Incorporated?
RZC represents fixed-rate reset subordinated debentures issued by Reinsurance Group of America, a global life and health reinsurance holding company headquartered in Chesterfield, Missouri.
Reinsurance Group of America provides traditional and non-traditional life and health reinsurance across the U.S., Latin America, Canada, Europe, the Middle East, Africa, and Asia Pacific. Revenue comes from reinsurance premiums and investment income across these global segments.
Is RZC a Good Stock to Buy?
UQS Score rates RZC as Below Average overall, reflecting weak growth and moat characteristics.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
RZC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026 | 45.0 | 45.9 | 27.0 | 38.8 | 39.2 | 87.6 | 0.0 |
| Aug 1, 2026 | 45.0 | 45.9 | 27.0 | 38.8 | 39.2 | 87.3 | 0.0 |
| Jul 31, 2026 | 45.0 | 45.9 | 27.0 | 38.8 | 39.2 | 87.4 | +0.2 |
| Jul 25, 2026 | 44.8 | 45.9 | 27.0 | 38.8 | 39.2 | 86.2 | -0.1 |
| Jul 24, 2026 | 44.9 | 45.9 | 27.0 | 38.8 | 39.2 | 86.8 | +0.1 |
| Jul 23, 2026 | 44.8 | 45.9 | 27.0 | 38.8 | 39.2 | 86.5 | +0.1 |
| Jul 22, 2026 | 44.7 | 45.9 | 27.0 | 38.8 | 39.2 | 85.8 | 0.0 |
| Jul 21, 2026 | 44.7 | 45.9 | 27.0 | 38.8 | 39.2 | 85.4 | +0.1 |
| Jul 18, 2026 | 44.6 | 45.9 | 27.0 | 38.8 | 39.2 | 85.0 | -0.1 |
| Jul 17, 2026 | 44.7 | 45.9 | 27.0 | 38.8 | 39.2 | 85.6 | -0.1 |
RZC — Pillar Breakdown
Quality
— 45.9/100 (25%)Reinsurance Group of America, Incorporated has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.8/100 (20%)Reinsurance Group of America, Incorporated shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 39.2/100 (15%)Reinsurance Group of America, Incorporated has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.2/100 (15%)Reinsurance Group of America, Incorporated appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Reinsurance Group of America, Incorporated operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RZC.
Score Composition
Financial Data
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How is the RZC UQS Score Calculated?
The UQS (Unified Quality Score) for Reinsurance Group of America, Incorporated is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Reinsurance Group of America, Incorporated's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Reinsurance Group of America, Incorporated is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.