Reinsurance Group of America, Incorporated (RGA) Stock Analysis
P/E 13.44×· 5Y range 9.19–33.03×· 33th percentile of history
Sector: Financial Services · Industry: Life Insurance
AnalystsBuy15 analystsRisks
- ⚠Altman Z 0.2 — distress-zone balance sheet
What's happening with RGA
Price History
5-Year Weekly Candlestick Chart
Profile
Strong valuation; financial health and profitability lag behind.
How is each axis scored?
- Valuation75/100 · Strong
- P/E vs own history (33th pct)20/25
- FCF yield (n/a)10/25
- P/S (0.7x)25/25
- EV/EBIT (10.5x)20/25
- Growth57/100 · Moderate
- Revenue CAGR (9.2%)12/25
- Net income CAGR (17.6%)20/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (61.4%)25/25
- Profitability35/100 · Weak
- ROIC (9.1%)12/25
- ROE (9.2%)12/25
- Net margin (4.9%)6/25
- Operating margin (6.5%)5/25
- Financial Health33/100 · Weak
- Altman Z (0.20)3/25
- Current ratio (n/a)0/25
- Interest coverage (4.5x)10/25
- Net cash / debt (D/A 0%)20/25
- Quality65/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.54)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 2.1%)25/25
About Reinsurance Group of America, Incorporated
Reinsurance Group of America Inc is an insurance holding company with operations in the United States, Latin America, Canada, Europe, Africa, Asia, and Australia. Show more
The core products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting, and product development. The company's operations are divided into traditional and financial solution businesses.
Headquarters: CHESTERFIELD, MO · Employees: 4,300 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-08-17-8589 sh2026-08-12
- SellOption exercise · filed 2026-08-13-1816 sh2026-08-11
- SellOption exercise · filed 2026-08-13-3311 sh2026-08-11
- SellOption exercise · filed 2026-08-13-3098 sh2026-08-11
- SellOption exercise · filed 2026-08-13-2577 sh2026-08-11
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
75B+P/E (TTM)13.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 9.2x–33.0x · 33rd pct
P/FCF3.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield32.1%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)0.65xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.4x–0.8x · 77th pct
EV/EBIT10.5xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 8.5x–18.3x · 33rd pct
EV/Sales0.6xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.3xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.22xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.68A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.51%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio20.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
35DROIC9.1%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE9.2%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin4.9%D
Grade D: LowNet Income / Revenue
Operating Margin6.5%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
33DAltman Z-Score0.20D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.5xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.5xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.46xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.88xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Growth
57CRevenue CAGR9.2%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR17.6%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth61.4%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-3.2%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Quality
65BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.54A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability2.1%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.15xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$18.50
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$43.90
Cash & short-term investments per share (Finnhub)
Book Value / Share$205.63
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$6.11B
Total debt obligations (short + long term)
Cash & Equiv.$5.35B
Cash and short-term investments
Net Debt$755.00M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$13.29B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$16.24B
Current Market Capitalization
Beta0.45B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Current P/E of 13.4x sits at the 33rd percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 26, 2026
Key Insights: Reinsurance Group of America, Incorporated (RGA)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Reinsurance Group of America, Incorporated. Altman Z-Score of 0.20 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.54 suggests a low likelihood of earnings manipulation.
- At a valuation score of 75/100, RGA trades near the cheapest end of its own historical range (P/E 13.4).
See how RGA ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for RGA in the last 30 days.
See RGA move history →Frequently Asked Questions about RGA
Is RGA stock a buy right now?
PreMarketPrice's quantitative model rates Reinsurance Group of America, Incorporated's financial health at 33/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is RGA stock overvalued?
Reinsurance Group of America, Incorporated trades at a trailing P/E of 13.4 and our valuation score rates it 75/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Reinsurance Group of America, Incorporated report earnings?
No confirmed earnings date is currently scheduled for RGA. The Earnings section lists recent reports and updates as dates are announced.
What sector does Reinsurance Group of America, Incorporated operate in?
Reinsurance Group of America, Incorporated operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Reinsurance Group of America, Incorporated do?
Reinsurance Group of America Inc is an insurance holding company with operations in the United States, Latin America, Canada, Europe, Africa, Asia, and Australia.
About Reinsurance Group of America, Incorporated (RGA) Stock
Reinsurance Group of America, Incorporated (RGA) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. Real-time pricing data for Reinsurance Group of America, Incorporated is available on this page with a market capitalization of $16.2 billion. The financial health score for RGA is 33/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for RGA stock.
RGA Stock Analysis & Key Metrics
On PreMarketPrice, you can track Reinsurance Group of America, Incorporated (RGA) across multiple dimensions:
- Pre-market price & movement: Real-time RGA stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for RGA with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Reinsurance Group of America, Incorporated across multiple reporting periods.
- Financial health score: A composite score of 33/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for RGA.
- Sector peers: Compare RGA against 10 other financial services stocks on key financial metrics.
Is RGA a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Reinsurance Group of America, Incorporated (RGA) as an investment. The financial health score of 33/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Reinsurance Group of America, Incorporated (RGA) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.