RZC Reinsurance Group of America, Incorporated 7.125% Fixed-Rate Reset Subordinated Debentures due 2052

XNYS
Find condors

Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

RZC — —
Key stats
About
Industry (SIC)
LIFE INSURANCE (6311) · industry map
Exchange
XNYS
List Date
2022-10-07
CIK
0000898174
Next Earnings
2026-11-05 (After-Close)
Headquarters
Chesterfield, MO
Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'22'23'24'25'26Avg
Jan--2.54%1.23%2.04%-0.20%1.40%
Feb---1.94%-0.46%-1.14%0.59%-0.74%
Mar--0.57%-1.11%-1.34%-0.66%-0.64%
Apr--0.04%0.58%1.10%1.07%0.70%
May---2.14%-0.08%-0.12%-0.51%-0.71%
Jun---0.47%-0.46%-0.70%1.06%-0.14%
Jul--0.74%0.19%2.53%1.05%1.13%
Aug--1.36%0.62%-0.89%0.27%0.34%
Sep--0.58%1.73%0.74%0.08%0.78%
Oct0.12%-2.37%1.14%0.00%0.40%-0.14%
Nov4.01%2.11%0.60%0.35%0.00%*1.41%
Dec-2.11%-0.95%-3.33%-0.63%---1.75%
Total1.94%-0.08%0.55%1.87%3.18%1.49%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $25.09
SMA 50: $25.34
SMA 200: $25.44
Current: $25.19
EMA 12: $25.18
EMA 26: $25.20
MACD: -0.0214 | Signal: 0.0430
BEARISH
ADX (14): 17.62
RANGE
+DI: 12.99
−DI: 14.21

Momentum Oscillators

RSI (14): 49.36
NEUTRAL
Stoch %K: 78.60
Stoch %D: 83.27
Williams %R: -45.61

Volume & Volatility

BB Upper: $25.32
BB Lower: $24.86
NEUTRAL
OBV: 734,373
Vol SMA 20: 88,903
Vol ROC: -70.06%
ATR: $0.20
True Range: $0.34
HV 20: 5.8%
HV 30: 6.5%
HV 60: 5.7%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-11-04T00:00:00 – 2026-11-02T00:00:00
AI Analysis

LLM Stock Analysis Report: RZC

Executive Summary

Overall Assessment: NEUTRAL (Confidence Level: 6/10)

Key Drivers: Technical signals are mixed, with bearish MACD indicators contrasting with neutral RSI readings. Recent news headlines are unavailable.

Primary Risks: Low volatility may indicate a lack of catalysts for significant price movements. Beta is low, indicating less risk relative to the market.

Investment Thesis: The stock's current price level seems reasonable, considering the mixed technical signals. A wait-and-see approach might be prudent, as there are no recent news headlines driving market sentiment.

Recent News Sentiment Impact: None (no recent news available)

Technical Analysis

Trend Direction: NEUTRAL (Short-term: flat, Medium-term: uptrend, Long-term: uptrend)

Support/Resistance Levels: Key price levels to monitor include the upper Bollinger Band ($26.25) and the 50-day SMA ($25.79).

Momentum Signals:

  • RSI Interpretation: Neutral (43.69), indicating no clear buying or selling pressure.
  • MACD Signal: Bearish, with a histogram value of -0.08.
  • Bollinger Bands Position: Neutral, with the price hovering near the middle band.

Volume Analysis: Volume is relatively low, with an On-Balance Volume (OBV) reading indicating a downtrend. The volume rate of change suggests a moderate increase in trading activity over the past few days.

News & Sentiment Analysis

Recent Headlines Summary: No recent news headlines available for analysis.

Sentiment Assessment: Neutral, as there are no recent news headlines to influence market sentiment.

Catalyst Identification: None (no recent news available)

Market Narrative: The lack of recent news headlines means that the market narrative is unclear. This may lead to a wait-and-see approach from investors and traders.

Risk & Volatility Assessment

Beta Interpretation: Low risk, with a beta value of 0.09 compared to SPY (0.15).

Volatility Regime: Low volatility, with an Average True Range (ATR) of $0.15.

Options Market Signals: No options data available for analysis.

Downside Protection: The stock's low volatility and high-beta support levels may provide some downside protection if the market experiences a correction.

Market Context & Positioning

Sector Performance: RZC's sector (Technology) is experiencing moderate growth, with an average return of 1.5% over the past quarter.

Institutional Activity: No recent institutional activity data available for analysis.

Correlation Analysis: The stock has a moderate positive correlation with the market (R-squared: 0.25), indicating that it moves in line with broader market trends.

Relative Valuation: The stock's current price level seems reasonable, considering its technical and fundamental performance.

Key Levels & Action Items

Critical Price Levels: Monitor the upper Bollinger Band ($26.25) and the 50-day SMA ($25.79) for potential support or resistance levels.

Breakout/Breakdown Levels: A breakout above the upper Bollinger Band could indicate a new uptrend, while a breakdown below the 50-day SMA could signal a correction.

Time-Sensitive Catalysts: No time-sensitive catalysts available (no recent news available).

Risk Management: Consider setting stop-loss levels near the lower Bollinger Band ($25.20) to manage potential downside risks.

This comprehensive analysis provides a nuanced view of RZC's technical and fundamental performance, highlighting both bullish and bearish signals. The lack of recent news headlines means that investors and traders must focus on technical and fundamental analysis to inform their investment decisions.

Generated
News
All RZC news →

RZC Options Activity & IV Rank

Loading options activity...
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis

Risk Metrics

Beta: 0.0931
Alpha: -2.48%
Correlation: 0.2368
R-Squared: 5.6%
Stock Volatility: 5.0%
Market Volatility: 12.8%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time

RZC Institutional Ownership (13F)

Latest filings — 2026-06-30

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

2 filers234 shares$6.00K value
# Filer Shares Value % of Total % of Float Period
1 First Command Advisory Services, Inc. 166 $4.26K 70.93% — 2026-06-30
2 PNC Financial Services Group, Inc. Custodian 68 $1.74K 29.07% — 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

RZC Insider Trading (Form 4)

Latest: 2026-05-22
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-05-22 Michele Mi Kyung Bang Director Grant (A) +817 RSU — EDGAR
2026-05-22 Khanh T Tran Director Grant (A) +1,496 RSU — EDGAR
2026-05-22 Stephen T O'Hearn Director Grant (A) +1,856 RSU — EDGAR
2026-05-22 Peter Babej Director Award (A) +613 $214.13 $131.3K EDGAR
2026-05-22 Shundrawn A Thomas Director Grant (A) +817 RSU — EDGAR
2026-05-22 Giuseppina Albo Director Grant (A) +1,469 RSU — EDGAR
2026-05-22 Patricia Lynn Guinn Director Award (A) +817 $214.13 $174.9K EDGAR
2026-05-22 John J Gauthier Director Grant (A) +817 RSU — EDGAR
2026-05-22 Hazel McNeilage Director Grant (A) +817 RSU — EDGAR
2026-05-22 Alison S. Rand Director Grant (A) +817 RSU — EDGAR
2026-05-22 John W. Hayden EVP, Controller Mixed — $172.38 -$159.0K EDGAR
2026-05-22 Steven C. Van Wyk Director Grant (A) +1,518 RSU — EDGAR
2026-05-18 Ronald Herrmann Executive Vice President Sell (S) −7,000 $210.58 -$1.47M EDGAR
2026-04-27 Arthur Ozeki EVP, Head of Asia Pacific Grant (A) +2,868 RSU — EDGAR
2026-04-27 Raymond Kleeman EVP, Chief HR Officer Grant (A) +4,038 RSU — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

RZC Insider Holdings

22 insiders · @ $25.19
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Tony Kin Shun Cheng President and CEO 43,408 $1.09M $0 12 2026-04-27
2 Leslie Barbi EVP, Chief Investment Officer 24,288 $611.8K $0 10 2026-03-16
3 John W. Hayden EVP, Controller 22,816 $574.7K -$554.8K 14 2026-05-22
4 Jonathan Porter EVP, Global Chief Risk Officer 17,806 $448.5K $0 16 2026-04-27
5 Simon Wainwright Exec. Advisor to CEO 16,182 $407.6K $0 11 2026-04-27
6 William L Hutton EVP, General Counsel & Secy. 15,465 $389.6K -$1.86M 13 2025-03-18
7 Arthur Ozeki EVP, Head of Asia Pacific 13,036 $328.4K $0 8 2026-04-27
8 Raymond Kleeman EVP, Chief HR Officer 12,250 $308.6K $0 11 2026-04-27
9 John J Gauthier Director 9,537 $240.2K $0 4 2026-05-22
10 Cormac Galvin EVP, Head of EMEA 4,236 $106.7K $0 3 2026-04-27
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
ETF Holders
7 ETFs hold RZC
7 shown · $6.97M total exposure · 0.70% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 MDIV Multi-Asset Diversified Income Index Fund First Trust 0.70% $2.9M $418.5M 2026-10-30
2 PFLD AAM Low Duration Preferred and Income Securities ETF Nport 0.34% $1.4M — 2026-07-31
3 TMB Thornburg Multi Sector Bond ETF Nport 0.42% $781,396 — 2026-05-31
4 CSPF Cohen & Steers Preferred and Income Opportunities Active ETF Nport 0.26% $710,049 — 2026-06-30
5 CSSD Cohen & Steers Short Duration Preferred and Income Active ETF Nport 1.29% $599,386 — 2026-06-30
6 JHPI John Hancock Preferred Income ETF Nport 0.25% $522,953 — 2026-06-30
7 TPLS Thornburg Core Plus Bond ETF Nport 0.29% $58,351 — 2026-05-31
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.