Reinsurance Group of America, Incorporated (RZB) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд $		1.79	1.84	1.66	1.71	1.83	1.94	1.75	1.67			1.78	-0.47
Выручка, млрд $		11.52	12.52	12.88	14.3	14.6	16.66	16.26	18.34	22	22	17.57	8.55
Чистая прибыль, млрд $		0.7014	1.82	0.7158	0.87	0.415	0.617	0.517	0.902	0.717	0.717	0.6336	11.56
EV, млрд $		4.82	4.13	2.49	3.39	2.02	2.6	3.07	3.15	3.36	3.36	2.84	10.71
EBIT, млрд $	0.8877	1.18	1.29	0.9932	1.31	0.383	0.818	0.909	1.42		-0.048	0.9680	1.63
EBITDA, млрд $		1.21	1.34	1.1	1.41	0.337	0.764	0.947	1.42	0.691	0.691	0.8318	15.44
OIBDA, млрд $						0.37	1.77	1.3	1.93	-0.521	-0.521	0.9698	-207.08
Баланс стоимость, млрд $		7.09	9.57	7.28	7.95	8.15	8.56	4.15	9.08	10.82	10.82	8.15	5.83
FCF, млрд $		1.42	1.94	1.55	2.27	3.29	4.16	1.32	4.04	9.37	9.37	4.44	23.28
Операционный денежный поток, млрд $		1.47	1.98	1.58	2.31	3.32	4.18	1.34	4.04	9.37	9.37	4.45	23.06
Операционная прибыль, млрд $		1.18	1.29	0.8458	1.13	0.553	0.691	0.94	1.42	-0.495	-0.495	0.6218	-197.81
Операционные расходы, млрд $		10.31	11.2	0.0359	0.055	0.816	0.936	1.01	16.06	20.82	20.82	7.93	91.14
CAPEX, млрд $	0.0236	0.0446	0.0442	0.0289	0.034	0.028	0.019	0.025	0.077		0.077	0.0366	17.76

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд $	1.96	1.95	1.89	1.75	1.74	1.64	1.72	1.7	1.67	1.66						1.68	0.24
Выручка, млрд $						4.38	4.25	4.16	5.15	5.01	6.33	4.86	5.6	5.09	5.28	5.43	-3.56
Чистая прибыль, млрд $						0.206	0.252	0.205	0.287	0.158	0.21	0.203	0.156	0.148	0.000288	0.1435	-73.24
EV, млрд $						9.51	2.87	3.95	3.31	3.15	0.1683	2.15	1.57	3.36	2.24	1.90	67.82
EBIT, млрд $				0.296	0.412	-0.55	0.4	0.593	0.832	0.231	0.27	0.268	0.298			0.3798	-18.56
EBITDA, млрд $					0.411	-0.583	0.401	0.265	0.38	-0.002	-0.07	-0.073	0.295	0.164		0.0628	-341.41
OIBDA, млрд $											6.06	0.065	0.434	0.18		1.68	-58.49
Баланс стоимость, млрд $						8.97	7.63	7.81	8.06	9.08	9.47	9.74	11.13	10.82	11.4	10.51	3.78
FCF, млрд $						0.26	1.57	0.237	0.992	1.25	5.74	0.967	1.07	1.6	1.43	2.16	-24.27
Операционный денежный поток, млрд $						0.266	1.57	0.244	1	1.23	5.74	0.967	1.07	1.6	1.43	2.16	-24.27
Операционная прибыль, млрд $					0.835	0.266	0.4	0.265	0.38	0.164	6.34	0.341	0.295	0.164		1.46	0.00
Операционные расходы, млрд $					0.251	0.289	-3.6	-3.62	-4.5	4.73	0.67	4.59	5.06	5.08		4.03	1.44
CAPEX, млрд $	0.005	0.004	0.006	0.006	0.007	0.006	0.005	0.007	0.008	0.02						0.0092	27.23

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2010	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $						1.2	1.3	1.89	1.45	3.41	2.95	2.93	2.97	3.33	3.33	3.12	-0.47
Short Term Investments $						32.17	38.24	54.21	66.56	56.96	0.087	53.06	9.1	10.73	10.73	25.99	-28.38
Long term investments $			32.71	36.96	42.32	45.19	52.08	54.63	67.05	72.91	79.06	71.11				68.95	5.41
Total Receivables $					2.44	2.61	3.12	0.4279	0.493	3.83	5.47	5.48	5.45		5.45	4.14	61.70
Total Current Assets $						46.39	53.39	56.52	68.5	3.41	3.04	55.83	2.97	3.33	3.33	13.72	-0.47
Чистые активы, млрд $					0.1706	0.1609	0.1567	8.45	11.6	14.35	13.01	0.134	7.63		55.83	9.34	-8.04
Активы, млрд $						53.1	60.51	64.54	76.73	84.66	92.18	84.71	97.62	118.68	118.68	95.57	6.99
Short Term Debt $	0.2	1.1		0.0222	0.0342	0.2999	0.0143	0.3999		0.4	0.4	0.4				0.3228	94.69
Long Term Debt $				3.1	3.2	3.93	3.57	3.47	3.58	3.96	3.85	3.96			3.96	3.76	2.68
Задолженность, млрд $						46	50.95	56.08	65.13	70.3	79.16	80.47	88.45	107.77	107.77	85.23	8.92
Чистый долг, млрд $						2.73	2.27	0.8981	1.53	0.165	0.719	1.43	1.46	1.72	1.72	1.10	59.81
Долг, млрд $						4.23	3.59	2.79	2.98	3.57	3.67	4.36	4.43	5.04	5.04	4.21	7.14
Interest income $					0.1655	0.1635	0.1747	0.1771	0.202	0.187	0.139					0.1760	-4.47
Расходы на обслуживание долга $						0.1376	0.146	0.1474	0.173	0.17	0.127	0.184	0.257	0.304	0.304	0.2084	12.33
Чист. проц. доходы, млрд $								0.1771	0.202	0.187	0.139					0.1763	-5.88
Goodwill $			0.007	0.007	0.007	0.007	0.007	0.007	0.007	0.007	0.007	0.007				0.0070	0.00
Амортизация, млрд $					0.0773	0.0269	0.0529	0.1025	0.104	-0.046	-0.054	0.038	0.041		0.041	0.0166	-16.99
Себестоимость, млрд $						0.000646	0.000711	0.000786	0.868	0.816	0.936	1.01	0.86	-0.112	-0.112	0.7020	-167.22
Товарно материальные запасы $									6.23	8.35	8.11		17.52		17.52	10.05	29.50

	2013Q4	2014Q4	2015Q4	2016Q4	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд $																								2.93	3.29	2.6	2.82	2.97	5.94	4.6	5.2	3.33	5.15	4.84	-2.81
Short Term Investments $																								52.9	56.33	56.46	54.31	60.69	9.6	10.16	78.15	10.73	84.51	38.63	54.50
Long term investments $																	72.96	76.85	78.14	79.06	76.48	71.53	68.67	71.11	74.69	74.99								72.20	0.95
Total Receivables $																						5.44	5.28	5.48	5.84	5.99	6.1	5.45	5.27	5.12		5.53		5.49	-1.94
Total Current Assets $																								55.83	59.38	58.83	56.99	63.44	5.94	19.88	83.34	19.59	89.66	43.68	72.09
Чистые активы, млрд $						0.1567															9.18	5.84	3.65	4.15	7.63									6.09	-3.63
Активы, млрд $																								84.62	89.12	89.04	87.42	97.62	106	109.89	120.26	118.68	128.21	116.61	3.88
Short Term Debt $					0.024	0.0143	0.0118	0.0147	0.0142	0.3999						0.4				1.97		1.98		0.4										1.03	0.01
Long Term Debt $																	3.92	3.5	3.49	3.85	3.83	3.82	4.21	3.96	4.46	4.85								4.26	4.89
Задолженность, млрд $																								80.47	4.46	4.85	79.27	88.45	96.44	100.06	109.04	107.77	116.72	106.01	3.89
Чистый долг, млрд $																								1.03	1.16	2.25	1.63	1.46	-1.51	0.471	-0.128	1.72	0.583	0.2272	-182.67
Долг, млрд $																								3.96	4.46	4.85	4.45	4.43	4.43	5.07	5.07	5.04	5.73	5.07	5.28
Interest income $											0.053	0.0499	0.047	0.046	0.047	0.047	0.048	0.045	0.017	0.002														0.0318	-46.82
Расходы на обслуживание долга $																								0.054	0.05	0.063	0.072	0.069	0.068	0.072	0.078	0.086	0.08	0.0768	3.30
Goodwill $	0.007	0.007	0.007	0.007		0.007				0.007		0.007				0.007				0.007				0.007										0.0070	0.00
Амортизация, млрд $																						-0.001	-0.001	-0.033	0.001	-0.328	-0.452	-0.233	-0.34	-0.341	-0.003			-0.2738	-63.32
Себестоимость, млрд $																							0.251	1.01	0.25	0.275	0.274	0.29	-0.007	0.301	0.25	-0.147		0.1374	-187.29
Товарно материальные запасы $																			-13.73	-8.11	-8		-14.16		15.26	14.94	14.85	17.52	20.8	19.88				17.60	5.88

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	9.74	10.85	11	13.62	6.48	9.64	7.64	13.44	10.72		10.72	9.58	10.59
Цена акции ао		28.04	25.81	27.27	26.71	28.51	23.12	25.28	24.59	24.96	24.96	25.29	-2.62
Число акций ао, млн	65.12	65.81	65.09	63.88	64	64	67.7	67.1	66.9		66.9	65.94	0.89
FCF/акцию	21.82	29.45	23.85	35.58	51.47	65.05	19.47	60.27	140.06		140.06	67.26	22.17

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS						3.06	3.71	3.01	4.28	2.37	3.13	3.03	2.33	2.21	0.0043		2.14	-73.23
Цена акции ао			27.78	25.74	25.6	24.19	25.32	24.94	24.99	24.86					24.66	24.96	24.88	0.02
Число акций ао, млн	68	67.93	68	68	68	67.79	68	68	67	66.72							67.50	-0.32
FCF/акцию						0.7397	23.07	3.49	14.81	18.67	85.61	14.43	15.93	23.89	21.37		32.25	-24.24

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			9.89	19.04	7.94	8.68	3.2	4.51	6.03	11.16	7.21		7.21	23.22	6.42	17.64
ROA, %			1.32	3.01	1.14	1.23	0.5143	0.6978	0.5846	0.9883	0.663		0.663	4.05	0.6896	5.21
ROIC, %	7.6	6.36	7.08	14.74	6.95	6.93	3.19	4.7	8.65	8.37				8.01	6.37	3.85
ROS, %				14.56	5.56	6.08	2.84	3.7	3.18	4.92	3.26	3.26	3.26	22.65	3.66	-2.50
ROCE, %			16.66	13.47	1.55	1.71	0.4524	0.8874	1.08	1.39		-0.4401	-0.4401	26.26	0.6739	-199.45
Ebit margin, %						5.17	4.95	9.15	5.59	7.73		-0.2182	-0.2182		5.44	-153.56
Рентаб EBITDA, %				10.72	8.51	9.85	2.31	4.59	5.82	7.73	3.14	3.14	3.14	36.41	4.88	-7.31
Чистая рентаб, %			6.09	14.56	5.56	6.08	2.84	3.7	3.18	4.92	3.26		3.26	22.53	3.58	2.80
Operation Margin, %				10.3	7.71	5.17	1.32	1.46	5.78	7.73	-2.25	-2.25	-2.25	34.06	2.09	-209.04
Доходность FCF, %			79.52	105.05	93.74	133.07	180.35	214.99	75.3	246.81					170.10	13.15

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %						3.02	4.57	2.63	4.51	2.1	2.51	2.29	1.65	1.47	0.0027		23.22	1.58	-74.51
ROA, %						0.2464	0.2899	0.2302	0.3253	0.1708	0.2063	0.1881	0.1356	0.1239	0.000233		4.05	0.1308	-74.26
ROIC, %				2.12		3.02		2.05	2.74	1.58	1.91	1.75	1.33	1.3	0.346		8.01	1.33	-28.94
ROS, %							5.93	4.93	5.57	3.16	3.32	4.18	2.78	2.91	0.0055	3.26	22.65	2.63	-4.85
ROCE, %					0.4746	-0.6491	0.4732	0.7044	0.9579	0.2531	0.2789	0.2595	0.2697			-0.4401	26.26	0.1242	-211.70
Ebit margin, %									16.15	4.61	4.27	5.52	5.32			-0.2182		3.90	-154.33
Рентаб EBITDA, %						-13.33	9.43	6.38	7.37	-0.0399	-1.11	-1.5	5.27	3.22		3.14	36.41	1.80	-223.12
Чистая рентаб, %						4.71	5.93	4.93	5.57	3.16	3.32	4.18	2.78	2.91	0.0055		22.53	2.64	-72.21
Operation Margin, %						7.38	9.41	6.38	7.37	3.28	100.11	7.02	5.27	3.22		-2.25	34.06	22.67	-146.81
Доходность FCF, %	75.82	18.35	8.31	4.17	47.57	15.86	91.14	13.98	59.25	75.12								51.07	36.49

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	2.55	1.01	2.22	2.13	4.46	3.04	3.16	1.88	2.29		2.29	24.94	2.97	-12.48
P/BV	0.252	0.1928	0.1881	0.1601	0.129	0.1442	0.3856	0.185	0.1508		0.1508	5.58	0.1989	3.17
P/S	0.1551	0.1474	0.1235	0.1299	0.1268	0.1126	0.1004	0.0925	0.0748		0.0748	5.06	0.1014	-10.02
P/FCF		0.9519	1.07	0.7515	0.5545	0.4651	1.33	0	0	0	0	7.71	0.8342	4.45
E/P		0.9877	0.4323	0.5093	0.2272	0.3186	0.2954	0.5402	0	0	0	1.16	0.3781	1.19
EV/EBIT				5.39	3.4	1.9	3.37	2.23	-65.89	-70.02	-70.02		-25.6820	-305.73
EV/EBITDA	3.99	3.08	2.27	2.41	5.98	3.4	3.24	2.23	4.86		4.86	-3.80	3.94	-4.06
EV/S		0.3298	0.2824	0.2788	0.1904	0.1942	0.1886	0.172	0.1528	0.1528	0.1528	5.74	0.1721	-4.68
EV/FCF		2.13	2.34	1.75	0.8438	0.7772	2.33	0.7797	0.3587	0.3587	0.3587	13.03	0.9209	-14.33
Debt/EBITDA		2.67	2.54	2.12	10.6	4.8	4.61	3.12	7.3	7.3	7.3	-6.66	5.43	8.75
Netdebt/Ebitda		1.69	1.52	2.7	2.29	3.13	1.51	1.03	2.48	2.48	2.48	-13.63	2.13	-4.55
Debt/Ratio		0.0593	0.0599	0.0466	0.0515	0.0461	0.0515	0.0453	0.0425	0.0425	0.0425	0.19	0.0456	-1.61
Debt/Equity		0.3748	0.4579	0.3085	0.3039	0.3263	1.05	0.4875	0.4662	9.88	9.88	8.96	2.44	97.80
Debt/Net Income		1.97	5.41	4.11	10.51	6.88	8.44	4.91	7.03	7.03	7.03	23.77	6.86	0.43
PEG										-0.2144	-0.2144		-0.2144	0.00
Бета								0.0588	-0.3733	0.1197	0.1197	0.72	-0.0649	26.74
Индекс Альтмана		0.4002	0.4133	0.3463	0.5303	0.4151	0.3194	32.77	23.23	19.74	19.74	4.70	15.29	116.49

	2017Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E							13.52	1.82	1.8	1.78	1.9	1.95	1.96	2.33	2.3	3.28		24.94	2.36	10.96
P/BV							2.05	0.0201	0.0202	0.2055	0.1849	0.1754	0.171	0.1511	0.151	0.1443		5.58	0.1586	-3.83
P/S							0.5215	0.1032	0.1008	0.0943	0.0922	0.0814	0.0786	0.0777	0.0753	0.0797		5.06	0.0785	-0.42
P/FCF		1.32	5.45	12.03	23.98	2.1	6.31	1.1	7.16	1.69	1.33							7.71	3.52	-26.76
E/P		-0.0112	0.0802	-0.0334	0.1131	0.1632	0.1244	0.1464	0.1209	0.1714	0.0953							1.16	0.1317	-5.19
EV/EBIT										3.97	13.65	0.6235	8.03	5.26			-70.02		-8.4913	-238.68
EV/EBITDA						4.91	9.73	1.87	14.91	2.47	3.02	0.2938	9.15	10.44	10.64			-3.80	6.71	28.64
EV/S							0.7026		0.9509	0.6415	0.6297	0.0266	0.4429	0.2796	0.6602	0.4249	0.1528	5.74	0.3921	-19.17
EV/FCF							11.82		16.68	3.33	2.53	0.0293	2.22	1.47	2.1	1.57	0.3587	13.03	1.54	-30.55
Debt/EBITDA							15.04	11.11	18.3	11.71	-2213.5	-63.24	-69.41	17.18	30.74		7.3	-6.66	-15.4860	-164.93
Netdebt/Ebitda							4.94	2.9	8.5	4.29	-728.5	21.54	-6.45	-0.4339	10.46		2.48	-13.63	5.52	-35.10
Debt/Ratio							0.0515		0.0545	0.0509	0.0453	0.0418	0.0461	0.0421	0.0425	0.0447	0.0425	0.19	0.0436	-1.61
Debt/Equity							1.05		0.6214	0.5519	0.4875	0.4676	0.5205	0.4554	0.4662	0.5029	9.88	8.96	2.37	80.16
Debt/Net Income							21.38		23.66	15.51	28.02	21.08	24.96	32.48	34.07	19909.72	7.03	23.77	4001.65	-22.39
PEG																	-0.2144		-0.2144	0.00
Бета																0.1882	0.1197	0.72	0.1540	-20.25
Индекс Альтмана	0.1776						0.1456									23.23	19.74	4.70	10.82	224.70

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0934	0.1004	0.1401	0.163	0.182	0.194	0.205	0.219	0.229			0.209		0.2058	4.70
Дивиденд			0.718	1.44	1.44	1.44	1.44	1.44	1.44	1.44	0.3594	1.8		1.22	-24.24
Див доход, ао, %			2.53	5.88	4.94	4.97	6.13	5.73	5.83	5.83	5.74	5.78	2.44	5.85	-1.31
Дивиденды / прибыль, %		14.31	6.44	19.57	18.74	43.86	31.44	39.65	24.28	31.94		31.94	43.17	34.23	-6.15
Dividend Coverage Ratio											3.43	3.43		3.43	0.00

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						0.053	0.053	0.054	0.056	0.056	0.056	0.056	0.059	0.058	0.059			0.0576	1.05
Дивиденд	0.3594	0.3594	0.3594	0.3594	0.3594	0.3594	0.3594	0.3594	0.3594	0.3594								0.3594	0.00
Див доход, ао, %	1.25	1.25	1.29	1.4	1.4	1.49	1.42	1.44	1.44	1.45							2.44	1.45	-0.54
Дивиденды / прибыль, %						25.73	21.03	26.34	19.51	35.44	26.67	27.59	37.82	39.19	20486.11		43.17	4123.48	277.65
Dividend Coverage Ratio																3.43		3.43	0.00

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Выручка, %	0.1918	0.1141	0.1538	0.4199		21.64
Персонал, чел				3 800	3 900	1.31

	CAGR 5

	CAGR 5

Investing Port

Reinsurance Group of America, Incorporated

Reporting Reinsurance Group of America, Incorporated

Capitalization

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