US · RZC
7.125% Fixed-Rate Reset Subordinated Debentures due 2052
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Chesterfield, MO
- Website
- rgare.com
Price · as of 2025-12-31
$25.50
Market cap 1.72B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $93.00 | +264.71% |
| Intrinsic Value(DCF) | $622.66 | +2,341.8% |
| Graham-Dodd Method(GD) | $238.64 | +835.83% |
| Graham Formula(GF) | $203.58 | +698.36% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $107.06 | $108.60 | |||
| 2012 | $123.87 | $163.12 | |||
| 2013 | $95.36 | $74.09 | |||
| 2014 | $131.81 | $133.23 | |||
| 2015 | $108.76 | $29.59 | |||
| 2016 | $141.39 | $199.38 | |||
| 2017 | $262.52 | $462.56 | |||
| 2018 | $155.86 | $121.57 | |||
| 2019 | $215.35 | $248.26 | |||
| 2020 | $209.40 | $68.61 | |||
| 2021 | $235.21 | $308.67 | |||
| 2022 | $21.11 | $55.21 | $0.00 | $97.40 | $53.35 |
| 2023 | $22.74 | $54.41 | $0.00 | $153.59 | $312.45 |
| 2024 | $24.29 | $79.95 | $281.71 | $166.66 | $294.97 |
| 2025 | $25.58 | $93.00 | $3.64 | $238.64 | $203.58 |
AI valuation
Our deep-learning model estimates 7.125% Fixed-Rate Reset Subordinated Debentures due 2052's (RZC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $93.00
- Current price
- $25.50
- AI upside
- +264.71%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$622.66
+2,341.8% upside
Graham-Dodd
$238.64
+835.83% upside
Graham Formula
$203.58
+698.36% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RZC | 7.125% Fixed-Rate Reset S… | $25.50 | 1.72B | +265% | +2,342% | +836% | +698% | 1.43 | 0.13 | 0.07 | 1.66 | 2.20 | 0.13 | 25.40% | 6.76% | 5.19% | 9.74% | 8.64% | 0.86% | 0.42 | 4.21 | — | — | 0.79 | 6486.00% | 339.00% | -5634.00% | 241.99% | — | 29.71% | 14.20% | 20.30% | 34.78% | 2.10 | 0.79 | 0.14 | 0.34 |
| AAMI | Acadian Asset Management | $53.86 | 1.92B | +86% | +114% | -76% | +2% | 24.86 | 32.82 | 3.35 | 12.18 | — | 32.82 | 92.88% | 27.38% | 13.46% | 198.51% | 44.12% | 11.59% | 5.33 | 7.50 | 1.67 | 1.67 | 1.22 | -45.00% | 1754.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.27% | 13.59 | — | 3.72 | 3.88 |
| AGM | Federal Agricultural Mort… | $157.66 | 1.72B | +1,120% | -15% | -17% | — | 9.53 | 1.01 | 1.32 | 55.06 | 870.60 | 1.01 | 29.47% | 19.40% | 15.73% | 11.38% | 1.28% | 0.55% | 17.93 | 0.28 | 0.12 | 1.68 | 116.89 | 109.00% | -1886.00% | -8682.00% | 4.60% | 0.01 | 0.49% | 5.12% | 48.80% | 5.12% | 55.06 | 175.87 | 10.68 | -0.20 |
| BLX | Banco Latinoamericano de … | $50.03 | 1.86B | +205% | -11% | +51% | — | 8.22 | 1.11 | 5.49 | 17.50 | 90.31 | 1.12 | 93.49% | 66.81% | 66.81% | 15.05% | 5.94% | 1.84% | 2.40 | — | 14.75 | 14.75 | 9.28 | 911.00% | -5811.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 27.54% | 17.50 | — | 11.69 | 0.47 |
| FCF | First Commonwealth Financ… | $17.53 | 1.82B | +87% | -19% | -46% | +53% | 10.88 | 1.10 | 2.22 | 3.33 | — | 1.52 | 64.16% | 25.47% | 20.38% | 10.49% | 20.39% | 1.24% | 0.24 | 0.80 | 0.13 | 0.13 | 1.14 | -974.00% | 1166.00% | -1150.00% | 7.35% | 0.01 | 16.30% | 3.39% | 36.90% | 31.80% | 3.44 | 5.38 | 0.88 | -0.56 |
| FIHL | Fidelis Insurance Holding… | $19.06 | 2B | +23% | -26% | +6% | — | 15.06 | 0.70 | 0.70 | 6.67 | — | 0.70 | 10.99% | 5.63% | 4.68% | 4.63% | 6.73% | 1.04% | 0.18 | 4.04 | — | — | -1.88 | -9475.00% | -3259.00% | 2553.00% | 35.97% | — | 36.47% | 2.71% | 40.80% | 10.65% | 7.64 | 1.70 | 0.43 | 0.41 |
| FINV | FinVolution Group | $5.62 | 1.41B | +215% | +17% | +94% | +162% | 6.33 | 0.99 | 1.15 | 2.90 | 75.46 | 1.00 | 79.32% | 19.40% | 18.24% | 16.46% | 31.30% | 10.62% | 0.00 | — | 4.31 | 3.57 | -1.77 | 838.00% | 369.00% | 22735.00% | 19.01% | 0.65 | 42.16% | 2.93% | 18.50% | 7.19% | 3.00 | 2.65 | 0.58 | 3.43 |
| JXN | Jackson Financial Inc. | $109.48 | 7.44B | +18% | -59% | -12% | -58% | — | 0.79 | 1.17 | -297.35 | — | 0.79 | 85.47% | -1.71% | 0.40% | 0.00% | 0.39% | 0.00% | 0.20 | -1.14 | 0.38 | 0.38 | 262.43 | -10204.00% | 11614.00% | -60.00% | 73.47% | 0.38 | -48.72% | 2.85% | — | 66.05% | -36.52 | 0.72 | 0.62 | 0.03 |
| MHNC | Maiden Holdings North Ame… | $15.04 | 1.49B | — | -48% | — | — | -7.42 | 32.98 | 26.41 | — | — | 32.98 | 100.00% | 37.37% | -356.10% | — | — | — | 0.00 | 1.09 | — | — | — | — | — | — | -4.53% | — | — | 0.00% | 0.00% | 0.25% | 69.02 | -21.58 | 25.79 | 0.12 |
| NTB | The Bank of N.T. Butterfi… | $50.75 | 2.12B | -26% | -4% | -47% | — | 9.21 | 1.87 | 3.52 | -1.98 | 57.05 | 2.02 | 99.95% | 39.21% | 38.20% | 21.44% | -9.39% | 1.64% | 0.03 | — | 516.92 | 516.92 | -5.87 | 1614.00% | -2566.00% | 447.00% | 11.94% | 53.27 | -10.32% | 3.64% | 33.50% | 10.51% | -2.22 | -2.07 | -0.87 | 0.48 |
| TRUP | Trupanion, Inc. | $26.54 | 1.15B | +54% | +334% | -61% | -67% | 59.05 | 2.99 | 0.80 | 17.22 | — | 3.58 | 28.51% | 1.53% | 1.35% | 5.50% | 14.41% | 2.26% | 0.29 | 1.60 | 1.07 | 1.64 | -0.51 | -29565.00% | 1195.00% | 9538.00% | 6.57% | 0.22 | 55.87% | 0.00% | 0.00% | 0.00% | 40.40 | 11.79 | 0.62 | 2.67 |
About 7.125% Fixed-Rate Reset Subordinated Debentures due 2052
Reinsurance 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.
- CEO
- Tony Cheng
- Employees
- 3.9K
- Beta
- 0.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($622.66 ÷ $25.50) − 1 = +2,341.8% (DCF, example).