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RGA

BULLISH
$208.68 Live
Reinsurance Group of America, Incorporated · NYSE
Target $248.44 (+19.1%)
$165.52 52W Range $229.21
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026
Market cap
$13.68B
P/E
11.79
ROE
9.7%
Profit margin
5.0%
Debt/Equity
0.43
Dividend yield
1.78%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
RGA presents a compelling deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($208.68) that trades significantly below both its Graham Number ($286.17) and estimated Intrinsic Value ($522.15). The company is exhibiting explosive growth, with YoY earnings growth of 216.60% and a very attractive forward P/E of 7.23. While technical trends are currently bearish (0/100) and insider sentiment is neutral, the fundamental valuation gap and strong revenue growth provide a significant margin of safety. The primary risk remains the inherent volatility of the reinsurance industry regarding mortality and morbidity assumptions.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive earnings growth (216.60% YoY) and strong revenue growth (26.60%)
Low valuation multiples (Forward P/E of 7.23, P/B of 1.01)
Conservative leverage with a Debt/Equity ratio of 0.43
Highly sustainable dividend payout ratio of 20.58%

Key Risks

High sensitivity to mortality, morbidity, and lapsation assumptions
Bearish technical trend (0/100) suggesting lack of immediate market momentum
Volatile quarterly earnings track record with significant surprise swings
Low Return on Assets (0.87%) typical of capital-intensive insurance models
Neutral insider sentiment with zero buy/sell activity in the last 6 months
AI Fair Value Estimate
Based on comprehensive analysis
$315.5
+51.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
73
Strong
Value
95
Future
88
Past
60
Health
55
Dividend
65
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Strong top and bottom line growth, Low forward P/E
Confidence
85%
Value
95/100

P/E 11.79, Forward P/E 7.23, Graham Number $286.17

Positives
  • Price is ~27% below Graham Number
  • Price is ~60% below Intrinsic Value
  • P/B near 1.0
Watchpoints
No urgent risks highlighted.
Future
88/100

Ref Growth rates

Positives
  • 26.6% Revenue growth
  • 212.8% Q/Q Earnings growth
Watchpoints
  • Industry-specific pricing risks
Past
60/100

Ref Historical trends

Positives
  • Strong 5Y price change (+76.9%)
Watchpoints
  • Highly inconsistent earnings surprises over 25 quarters
Health
55/100

Ref Piotroski F-Score

Positives
  • Low Debt/Equity (0.43)
  • Current Ratio > 1.0
Watchpoints
  • Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'
Dividend
65/100

Ref Yield, Payout

Positives
  • Very low payout ratio (20.58%)
Watchpoints
  • Low absolute yield (1.78%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$208.68
Analyst Target
$248.44
Upside/Downside
+19.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RGA and closest competitors.

Updated 2026-05-01
RGA
Reinsurance Group of America, Incorporated
Primary
5Y
+76.9%
3Y
+57.1%
1Y
+13.7%
6M
+15.4%
1M
+2.2%
1W
-0.2%
EG
Everest Group, Ltd.
Peer
5Y
+36.8%
3Y
-4.8%
1Y
-3.1%
6M
+11.9%
1M
+6.4%
1W
-0.3%
IRE
IREN Limited
Peer
5Y
+89.7%
3Y
+1824.1%
1Y
+348.9%
6M
+451.4%
1M
-31.8%
1W
-25.7%
ARC
Ares Capital Corporation
Peer
5Y
+53.5%
3Y
+33.5%
1Y
-3.8%
6M
-3.7%
1M
+6.7%
1W
-2.7%
ERI
Erie Indemnity Company
Peer
5Y
+25.4%
3Y
+14.0%
1Y
-32.1%
6M
-21.8%
1M
-0.3%
1W
+3.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.79
Forward P/E
7.23
PEG Ratio
1.14
P/B Ratio
1.01
P/S Ratio
0.58
EV/Revenue
0.64
EV/EBITDA
7.74
Market Cap
$13.68B

Profitability

Profit margins and return metrics

Profit Margin 4.99%
Operating Margin 9.16%
Gross Margin 13.67%
ROE 9.72%
ROA 0.87%

Growth

Revenue and earnings growth rates

Revenue Growth +26.6%
Earnings Growth +216.6%
Q/Q Revenue Growth +27.17%
Q/Q Earnings Growth +212.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.43
Low debt
Current Ratio
1.26
Good
Quick Ratio
0.64
Poor
Cash/Share
$68.85

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$6.6B
Net Margin
7.0%
Total Assets
$156.6B
Liabilities
$143.0B
Equity
$13.5B
Debt/Equity
10.63x
Operating CF
$0.9B
Free Cash Flow
$0.9B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-02-05
$7.75
+34.8% surprise
2025-10-30
$4.66
-19.2% surprise
2025-07-31
$4.72
-15.0% surprise

Financial Services Sector Comparison

Comparing RGA against 1034 companies in the Financial Services sector (162 bullish, 450 neutral, 422 bearish)
P/E Ratio
11.79
This Stock
vs
35.38
Sector Avg
-66.7% (Discount)
Return on Equity (ROE)
9.72%
This Stock
vs
0.74%
Sector Avg
+1216.7% (Excellent)
Profit Margin
4.99%
This Stock
vs
85.98%
Sector Avg
-94.2% (Weaker)
Debt to Equity
0.43
This Stock
vs
1.29
Sector Avg
-66.6% (Less Debt)
Revenue Growth
26.6%
This Stock
vs
32.8%
Sector Avg
-18.9% (Slower)
Current Ratio
1.26
This Stock
vs
3.68
Sector Avg
-65.7% (Weaker)

Similar Companies

Peer comparison within the same industry

RGA Reinsurance...
BULLISH
Mkt Cap
$13.7B
P/E
11.8
ROE
9.7%
Price
$208.68
EG Everest Group, Ltd.
NEUTRAL
Mkt Cap
$13.8B
P/E
7.0
ROE
10.8%
Price
$344.01
 Compare with RGA
IREN IREN Limited
BEARISH
Mkt Cap
$13.8B
P/E
26.6
ROE
26.1%
Price
$46.37
 Compare with RGA
ARCC Ares Capital...
NEUTRAL
Mkt Cap
$13.4B
P/E
10.1
ROE
9.4%
Price
$18.61
 Compare with RGA
ERIE Erie Indemnity Company
NEUTRAL
Mkt Cap
$13.2B
P/E
23.2
ROE
26.2%
Price
$253.38
 Compare with RGA

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

HAYDEN JOHN W
Officer
Option Exercise
2026-03-12
2,252 shares · $461,660
PORTER JONATHAN
Officer
Option Exercise
2026-03-12
5,456 shares · $1,118,480
CHENG TONY KIN SHUN
Chief Executive Officer
Option Exercise
2026-03-12
17,388 shares · $3,564,540
BARBI LESLIE
Chief Investment Officer
Option Exercise
2026-03-12
8,430 shares · $1,728,150
HERRMANN RONALD
Officer
Option Exercise
2026-03-12
6,576 shares · $1,348,080
KLEEMAN RAYMOND
Officer
Stock Award
2026-03-12
4,553 shares
OZEKI ARTHUR
Officer
Option Exercise
2026-03-12
2,689 shares · $551,245
WAINWRIGHT SIMON
Officer
Option Exercise
2026-03-12
2,239 shares · $458,995
COCKRILL LAURA
Officer
Option Exercise
2026-03-12
1,079 shares · $221,195
GALVIN CORMAC
Officer
Stock Award
2026-03-12
1,496 shares
PORTER JONATHAN
Officer
Option Exercise
2026-02-11
1,324 shares · $184,482
HERRMANN RONALD
Officer
Option Exercise
2026-02-11
2,401 shares · $255,779
CHENG TONY KIN SHUN
Chief Executive Officer
Option Exercise
2026-02-10
4,152 shares · $388,337
WAINWRIGHT SIMON
Officer
Option Exercise
2026-02-10
2,671 shares · $249,819
PORTER JONATHAN
Officer
Stock Award
2026-01-20
1,963 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-05-01

RGA likely filed this 8-K to report its first-quarter financial results for 2026.

DEF 14A
DEF 14A
2026-04-09

RGA filed a definitive proxy statement on April 9, 2026, providing shareholders with necessary information and voting materials for its upcoming annual meeting.

8-K
8-K
2026-03-20
8-K
8-K
2026-03-19

RGA filed an 8-K likely to announce its financial results for the fourth quarter and full year ended December 31, 2025.

8-K
8-K
2026-03-03

RGA likely reported its fourth quarter and full-year financial results for the fiscal year ended December 31, 2025.

10-K
10-K
2026-02-20

RGA is a global provider of traditional life, health, and asset-intensive reinsurance with operations across the Americas, EMEA, and Asia Pacific. The company's financial performance is subject to risks stemming from pricing assumptions related to mortality, morbidity, lapsation, and investment returns. Significant deviations from these expectations could materially adversely affect RGA's financial condition and results of operations.

8-K
8-K
2026-02-05

RGA likely filed this 8-K to report its fourth quarter and full-year financial results.

8-K
8-K
2025-12-03
10-Q
10-Q
2025-10-31

RGA expanded its U.S. Financial Solution segment by assuming approximately $12 billion in individual life insurance liabilities through a 75% quota share reinsurance transaction with Equitable Holdings, Inc. This transaction increases the company's exposure to risks associated with a diversified mix of life products and account value liabilities.

8-K
8-K
2025-10-30

RGA reported its third-quarter financial results for 2025.

10-Q
10-Q
2025-08-01
8-K
8-K
2025-07-31
8-K
8-K
2025-06-04
8-K
8-K
2025-05-22
10-Q
10-Q
2025-05-02
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
9 analysts
UBS
2026-04-09
Maintains
Neutral Neutral
Barclays
2026-04-08
Maintains
Overweight Overweight
Morgan Stanley
2026-03-03
Maintains
Equal-Weight Equal-Weight
Wells Fargo
2026-02-25
Maintains
Overweight Overweight
Wells Fargo
2026-01-13
Maintains
Overweight Overweight
Piper Sandler
2025-12-23
Maintains
Overweight Overweight
Keefe, Bruyette & Woods
2025-11-03
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning RGA from our newsroom.

Newest → oldest
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