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Market Price

147.28 

-2.61 -1.7%

as of Aug 23 '19

52 Week Range:

127.84 163.46


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Reinsurance Group of America, Incorporated engages in reinsurance business. It offers individual and group life and health insurance products, including term life, credit life, universal life, whole life, group life and health, joint and last survivor insurance, critical illness, disability, and longevity products, as well as asset-intensive and financial reinsurance products. The company also provides reinsurance for mortality, morbidity, lapse, and investment-related risk associated with products; and reinsurance for investment-related risks. In addition, it develops and markets technology solutions; and provides consulting and outsourcing solutions for the insurance and reinsurance industries. The company serves life insurance companies in the United States, Latin America, Canada, Europe, the Middle East, Africa, and the Asia Pacific. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 41.99
52.99
68.70
77.19
93.47
83.31
97.13
95.72
124.31
125.63
136.58
growth rate 26.2% 29.7% 12.4% 21.1% -10.9% 16.6% -1.5% 29.9% 1.1% 8.7%
Earnings BIT 1,116.67
910.30
1,207.40
1,339.98
1,022.87
growth rate -18.5% 32.6% 11.0% -23.7%
Avg.PE 10.31
12.54
12.02
5.58
12.95
growth rate 21.6% -4.2% -53.6% 132.1%
ROA 0.82
1.74
2.11
1.96
1.74
1.05
1.62
1.06
1.36
3.21
1.14
growth rate 112.2% 21.3% -7.1% -11.2% -39.7% 54.3% -34.6% 28.3% 136.0% -64.5%
ROE 6.09
12.56
12.90
10.73
9.69
6.52
10.56
7.63
10.61
21.87
7.94
growth rate 106.2% 2.7% -16.8% -9.7% -32.7% 62.0% -27.8% 39.1% 106.1% -63.7%
Leverage 8.28
6.53
5.77
5.23
5.84
6.68
6.36
8.21
7.49
6.32
7.64
growth rate -21.1% -11.6% -9.4% 11.7% 14.4% -4.8% 29.1% -8.8% -15.6% 20.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 1,976.99
2,034.04
1,527.73
1,797.50
1,930.76
2,338.48
3,017.87
growth rate 2.9% -24.9% 17.7% 7.4% 21.1% 29.1%
Acct.Payable 233.63
275.14
4,130.98
4,391.54
4,652.02
5,480.81
6,129.93
growth rate 17.8% 1,401.4% 6.3% 5.9% 17.8% 11.8%
Cur.Assets 4,343.06
5,153.09
4,506.52
5,088.33
6,464.15
growth rate 18.7% -12.6% 12.9% 27.0%
Total Assets 40,360.44
39,674.47
44,654.30
50,383.15
53,097.88
60,514.82
64,535.25
growth rate -1.7% 12.6% 12.8% 5.4% 14.0% 6.6%
Cash 1,259.89
923.65
1,645.67
1,525.28
1,200.72
1,303.52
1,889.73
growth rate -26.7% 78.2% -7.3% -21.3% 8.6% 45.0%
Cur.Liabilities 5,272.82
5,517.04
5,663.87
6,519.28
7,102.25
growth rate 4.6% 2.7% 15.1% 8.9%
Liabilities 33,450.25
33,738.95
37,630.85
44,247.77
46,004.80
50,945.28
56,084.69
growth rate 0.9% 11.5% 17.6% 4.0% 10.7% 10.1%
LT Debt 2,700.89
2,974.24
3,071.68
3,196.71
3,929.34
3,572.30
3,469.83
growth rate 10.1% 3.3% 4.1% 22.9% -9.1% -2.9%
Equity 6,910.19
5,935.53
7,023.45
6,135.38
7,093.08
9,569.54
8,450.55
growth rate -14.1% 18.3% -12.6% 15.6% 34.9% -11.7%
Common Shares 65.00
73.00
75.00
74.00
74.00
72.00
70.00
67.00
65.00
66.00
65.00
growth rate 12.3% 2.7% -1.3% 0.0% -2.7% -2.8% -4.3% -3.0% 1.5% -1.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 88.36
23.55
44.64
44.21
28.89
growth rate -73.3% 89.5% -1.0% -34.7%
Cash Dividends 61.95
77.64
87.26
93.38
100.37
117.29
140.11
growth rate 25.3% 12.4% 7.0% 7.5% 16.9% 19.5%
Cash From OA 1,974.53
1,727.16
2,336.16
2,088.62
1,465.72
1,982.31
1,581.12
growth rate -12.5% 35.3% -10.6% -29.8% 35.2% -20.2%
FCF per Share 11.14
18.60
24.67
18.09
26.63
23.17
23.29
28.45
34.18
22.49
29.76
growth rate 67.0% 32.6% -26.7% 47.2% -13.0% 0.5% 22.2% 20.1% -34.2% 32.3%
Sale Purchase of Stock -10.01
-360.07
9.25
11.15
15.32
-104.65
growth rate 0.0% 100.0% 20.6% 37.4% -100.0%
FCF 727.00
1,364.00
1,843.00
1,310.00
1,975.00
1,727.00
2,248.00
2,065.00
1,421.00
1,938.00
1,552.00
growth rate 87.6% 35.1% -28.9% 50.8% -12.6% 30.2% -8.1% -31.2% 36.4% -19.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 9,840.91
10,318.35
10,904.19
10,418.18
11,521.51
12,515.77
12,875.66
growth rate 4.9% 5.7% -4.5% 10.6% 8.6% 2.9%
Op.Income 631.89
418.84
1,116.67
910.30
1,207.40
1,339.98
1,022.87
growth rate -33.7% 166.6% -18.5% 32.6% 11.0% -23.7%
IBT 919.22
635.25
1,008.53
744.80
1,043.95
1,142.82
845.82
growth rate -30.9% 58.8% -26.2% 40.2% 9.5% -26.0%
Net Income 631.89
418.84
684.05
502.17
701.44
1,822.18
715.84
growth rate -33.7% 63.3% -26.6% 39.7% 159.8% -60.7%
EPS 2.71
5.55
7.17
7.37
8.52
5.78
9.78
7.46
10.79
27.71
11.00
growth rate 104.8% 29.2% 2.8% 15.6% -32.2% 69.2% -23.7% 44.6% 156.8% -60.3%
Gross Profit 1,868.44
1,713.24
1,655.09
1,464.35
1,852.91
2,028.17
1,809.01
growth rate -8.3% -3.4% -11.5% 26.5% 9.5% -10.8%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 291.75
363.42
184.72
265.15
310.51
growth rate 24.6% -49.2% 43.5% 17.1%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 2,617.38
2,779.56
3,017.87
2,857.67
2,944.82
growth rate 6.2% 8.6% -5.3% 3.1%
Acct.Payable 5,747.06
5,906.58
6,129.93
6,428.65
6,649.30
growth rate 2.8% 3.8% 4.9% 3.4%
Cur.Assets 5,670.94
6,133.56
6,464.15
6,436.33
6,712.59
growth rate 8.2% 5.4% -0.4% 4.3%
Total Assets 59,766.50
62,972.64
64,535.25
66,692.48
72,043.82
growth rate 5.4% 2.5% 3.3% 8.0%
Cash 1,397.68
1,730.49
1,889.73
2,020.40
2,287.53
growth rate 23.8% 9.2% 6.9% 13.2%
Inventory
growth rate
Cur.Liabilities 6,684.92
6,826.71
7,102.25
7,360.62
6,649.30
growth rate 2.1% 4.0% 3.6% -9.7%
Liabilities 51,164.80
54,393.32
56,084.69
57,022.37
61,334.81
growth rate 6.3% 3.1% 1.7% 7.6%
LT Debt 3,513.11
3,498.77
3,469.83
3,443.89
4,016.71
growth rate -0.4% -0.8% -0.8% 16.6%
Equity 8,601.70
8,579.32
8,450.55
9,670.11
10,709.01
growth rate -0.3% -1.5% 14.4% 10.7%
Common Shares 0.79
0.79
0.79
0.79
0.79
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 9.28
5.91
8.41
10.44
growth rate -36.4% 42.5% 24.1%
Cash Dividends 32.13
38.07
37.67
37.71
growth rate 18.5% -1.1% 0.1%
Cash From OA 359.84
516.58
480.96
340.62
growth rate 43.6% -6.9% -29.2%
Sale Purchase of Stock 0.09
growth rate
FCF 350.56
510.67
472.55
330.18
growth rate 45.7% -7.5% -30.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 3,195.91
3,227.53
3,278.52
3,420.03
3,467.41
growth rate 1.0% 1.6% 4.3% 1.4%
Op.Income 291.75
363.42
184.72
265.15
310.51
growth rate 24.6% -49.2% 43.5% 17.1%
IBT 247.29
322.66
137.95
216.56
260.08
growth rate 30.5% -57.3% 57.0% 20.1%
Net Income 204.37
301.20
110.04
169.51
202.70
growth rate 47.4% -63.5% 54.0% 19.6%
Gross Profit 486.71
563.68
384.36
466.64
534.01
growth rate 15.8% -31.8% 21.4% 14.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (11.06)

YOY Growth Grade:

F (12.56)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.94 11.78 10.45
EPS / Growth 7.0% 12.50 9.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.0% 6.7% 6.7%
Future PE 8.06 11.90 11.90
Future EPS 18.56 23.82 23.82
Value Price
MOS %
36.97
-74.9%
70.09
-52.4%
70.09
-52.4%
MOS Price 18.48 35.04 35.04
IRT 9.51 8.54 8.54

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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