RGA
Reinsurance Group of America Inc
$238.78
▼ 0.9%Updated Today 3:42 PM ET
RGA at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 64/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 12.5% over the last 12 months
Market Cap
$14.48B
P/E
11.8x
Forward P/E (est.)
8.43x
ROE
9.5%
Revenue Growth
18.6%
EPS Growth
55.9%
Profit Margin
4.9%
FCF Yield
—
Debt / Equity
0.42x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.7%
Implied Growth (rev. DCF)
—
Rating Score
64/100
Reinsurance Group of America Inc (RGA) is a large-cap company in the Insurance industry, part of the Financials sector of the S&P 500, with a market value around $14.48B.
In its latest reported year it generated about $23.70B in revenue and $1.18B in net profit.
Our model rates RGA Favorable (64/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what RGA's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. RGA trades near $238.78, above its 50-day average ($209.47) and 200-day average ($202.37). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 69 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. RGA's is $4.90 (~2.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month RGA found buyers near $199.04 (support) and sellers near $224.26 (resistance); its 52-week range is $165.52–$229.21. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.2× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
9.2%
Revenue moved from $11.52B in 2016 to $23.70B in 2025, a 8.3% compound annual growth rate. The most recent year grew a strong 18.6% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
8.0%
Net Margin
5.0%
ROE
9.5%
Reinsurance Group of America Inc keeps about 4.9% of each sales dollar as net profit. Return on equity is 9.5%. Thin margins leave less cushion if costs rise.
Total Debt
$6.11B
Net Debt
$1.11B
Net Debt / EBITDA
—
Debt / Equity
0.42x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $6.11B of total debt against $4.99B of cash.
Operating CF
$4.09B
Free Cash Flow
$4.09B
FCF Margin
17.3%
In the latest year Reinsurance Group of America Inc produced about $4.09B of operating cash flow and $4.09B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
1.7%
Per share (latest FY)
$3.64
Total paid (latest FY)
$240.00M
History on record
10 years
dividend uses 6% of free cash flow
20% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
11.8x
P/S
0.61x
P/B
0.99x
EV / EBITDA
—
RGA trades at 11.8x trailing earnings (about 8.4x on estimated forward earnings), 0.6x sales, and 1.0x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where RGA sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How RGA stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), RGA ranks #72 of 289 by our overall rating. It trades at a discount versus the sector on earnings (11.8x P/E vs. 15.3x median) with a lower return on equity (9.5% vs. 13.6%) and faster revenue growth (18.6% vs. 15.9%).
P/E vs sector
11.8x
median 15.3x
ROE vs sector
9.5%
median 13.6%
Growth vs sector
18.6%
median 15.9%
Sector rank
#72
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $238.78 today · expected CAGR 6% – 19%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $28.20B | $33.56B | $39.93B | $47.52B | $56.55B |
| Net income | $1.41B | $1.68B | $2.00B | $2.38B | $2.83B |
| EPS | $23.25 | $27.67 | $32.93 | $39.19 | $46.63 |
| Share price (low) | $162.78 | $193.71 | $230.51 | $274.31 | $326.43 |
| Share price (high) | $279.05 | $332.07 | $395.17 | $470.25 | $559.60 |
| CAGR (low–high) | -32% / 17% | -10% / 18% | -1% / 18% | 4% / 18% | 6% / 19% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for RGA:
- Revenue is growing 18.6% a year, a sign of real demand.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Our model's overall read is Favorable (64/100).
The case against RGA:
- Thin net margins (4.9%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Margin risk — thin profitability (4.9%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Reinsurance Group of America Inc is a large-cap financials business still growing nicely, with modest profitability, and a sound balance sheet. It trades at 11.8x earnings, which our model scores Favorable (64/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 15 Wall Street analysts covering RGA recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-4 pts of buy ratings).
Latest SEC Filings
RGA's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
RGA — frequently asked questions
Is RGA a good stock to buy?
We don't give buy or sell advice. Our model rates Reinsurance Group of America Inc Favorable (64/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is RGA's rating on The Stocks School?
Reinsurance Group of America Inc currently scores 64/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does RGA's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Reinsurance Group of America Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for RGA calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this RGA analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell RGA. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.