7.125% Fixed-Rate Reset Subordinated Debentures due 2052
General ticker "RZC" information:
- Sector: Financials
- Industry: Insurance - Diversified
- Capitalization: $13.5B (TTM average)
7.125% Fixed-Rate Reset Subordinated Debentures due 2052 follows the US Stock Market performance with the rate: 5.5%.
Estimated limits based on current volatility of 0.4%: low 25.51$, high 25.69$
Factors to consider:
- Company pays dividends (irregularly): last record date 2026-07-01, amount 0.45$ (Y1.76%)
- Total employees count: 4300 (+4.9%) as of 2025
- North and South America accounted for 36.1% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Mortality and lapse assumptions, Investment portfolio volatility, Currency fluctuations, Regulatory and compliance, Cybersecurity threats
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [23.05$, 34.75$]
- 2026-12-31 to 2027-12-31 estimated range: [25.98$, 38.58$]
Financial Metrics affecting the RZC estimates:
- Positive: with PPE of 1288.2 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 240.26 > 24.19
- Positive: 4.60 < Operating profit margin, % of 7.10
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.75
- Positive: Industry earnings per price (median), % of 9.48 > 6.58
- Negative: -0.37 < Inventory ratio change, % of 0
- Positive: 7.79 < Industry operating profit margin (median), % of 14.49
Short-term RZC quotes
Long-term RZC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $17,518.00MM | $20,792.00MM | $21,689.00MM |
| Operating Expenses | $16,358.00MM | $19,812.00MM | $20,149.00MM |
| Operating Income | $1,160.00MM | $980.00MM | $1,540.00MM |
| Interest Expense | $1,121.00MM | $304.00MM | $2,001.00MM |
| Income(Loss) | $1,160.00MM | $980.00MM | $1,540.00MM |
| Taxes | $251.00MM | $256.00MM | $351.00MM |
| Net Income(Loss)* | $902.00MM | $717.00MM | $1,182.00MM |
| Stockholders Equity | $9,081.00MM | $10,816.00MM | $13,461.00MM |
| Assets | $97,623.00MM | $118,675.00MM | $156,590.00MM |
| Operating Cash Flow | $4,044.00MM | $9,370.00MM | $4,091.00MM |
| Investing Cash Flow | $-4,066.00MM | $-12,545.00MM | $-12,094.00MM |
| Financing Cash Flow | $78.00MM | $3,661.00MM | $8,798.00MM |
| Earnings Per Share** | $13.44 | $10.90 | $17.89 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.