Stock Analysis
Reinsurance Group of America, IncorporatedRGA
P/E 11.55×· 5Y range 9.19–33.03×· bottom 23% of history
Sector: Financial Services · Industry: Life Insurance
AnalystsBuy15 analystsP/E 11.6× sits at the 23rd percentile of its 5.0513347022587265-year history.
Cash covers 79% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Growth77
- Quality65
Risks
- Financial Health41
- Profitability42
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓P/E 11.6× at bottom 23% of 5-year history
What's happening with RGA
Profile
Strong valuation and growth; moat, financial health and profitability lag behind.
How is each axis scored?
- Valuation95/100 · Strong
- P/E vs own history (23th pct)20/25
- FCF yield (17.0%)25/25
- P/S (0.7x)25/25
- EV/EBIT (9.0x)25/25
- Growth77/100 · Strong
- Revenue CAGR (9.2%)12/25
- Net income CAGR (17.6%)20/25
- EPS CAGR 5Y (18.3%)20/25
- Fwd implied growth (38.7%)25/25
- Profitability42/100 · Weak
- ROIC (11.2%)12/25
- ROE (11.2%)12/25
- Net margin (5.8%)13/25
- Operating margin (8.0%)5/25
- Financial Health41/100 · Weak
- Altman Z (0.35)3/25
- Current ratio (n/a)0/25
- Interest coverage (6.2x)18/25
- Net cash / debt (D/A 1%)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
- Moat37/100 · Weak
- ROIC >12% years (1/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (7/7 yrs)25/25
- Worst-year net margin (worst 2.8%)12/25
Risk Flags
- ⚠Altman Z 0.3 — distress-zone balance sheet
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
95A+P/E (TTM)11.6xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 9.2x–33.0x · 23rd pct
P/FCF3.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield17.0%A
Grade A: ValueLatest stored TTM FCF / Market Cap — vs own 5Y history: -27.0%–67.1% · 55th pct
P/S (TTM)0.67xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.4x–0.8x · 87th pct
EV/EBIT9.0xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 6.9x–18.3x · 10th pct
EV/Sales0.7xA
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 Ratio1.29xA
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 Yield1.42%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio16.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
42D+ROIC11.2%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.2%C
Grade C: AverageReturn 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 Margin5.8%C
Grade C: AverageNet Income / Revenue
Operating Margin8.0%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
Growth
77B+Revenue 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)18.3%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth38.7%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-4.5%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
Financial Health
41D+Altman Z-Score0.35D
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 Coverage6.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.6xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.42xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.79xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
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 Turnover0.16xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
PORTER JONATHAN Filed | PORTER JONATHAN | SellOpen market sale | -8589 | |
HERRMANN RONALD Filed | HERRMANN RONALD | Option exercise | -1816 | |
HERRMANN RONALD Filed | HERRMANN RONALD | Option exercise | -3311 | |
HERRMANN RONALD Filed | HERRMANN RONALD | Option exercise | -3098 | |
HERRMANN RONALD Filed | HERRMANN RONALD | Option exercise | -2577 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
HERRMANN RONALD Filed | HERRMANN RONALD | Tax withholding | -1600 | |
HERRMANN RONALD Filed | HERRMANN RONALD | Option exercise | +1.8K | |
HERRMANN RONALD Filed | HERRMANN RONALD | Tax withholding | -2857 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
37DROIC >12% Years1/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years7/7 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor2.8%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$23.09
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$42.81
Cash & short-term investments per share (Finnhub)
Book Value / Share$209.73
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.71B
Total debt obligations (short + long term)
Cash & Equiv.$4.51B
Cash and short-term investments
Net Debt$1.20B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$13.46B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$17.42B
Current Market Capitalization
Beta0.42B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Reinsurance Group of America, Incorporated (RGA)
RGA is up 1.03% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Reinsurance Group of America, Incorporated. Altman Z-Score of 0.35 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 95/100, RGA trades near the cheapest end of its own historical range (P/E 11.6).
See how RGA ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all RGA moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 2 | Regular | 249.79 | +2.11% | 2.18 |
| Oct 2 | After-hours | 249.41 | +1.96% | 2.03 |
| Sep 30 | Regular | 246.50 | -2.55% | -2.60 |
| Sep 30 | After-hours | 246.24 | -2.65% | -2.70 |
Frequently Asked Questions about RGA
What is the current Reinsurance Group of America, Incorporated (RGA) stock price?
RGA is trading at $266.75 at the last market close, up 1.03% on the session. PreMarketPrice tracks RGA pre-market, intraday and after-hours prices.
Is RGA stock a buy right now?
PreMarketPrice's quantitative model rates Reinsurance Group of America, Incorporated's financial health at 41/100. 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 11.6 and our valuation score rates it 95/100 (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. As of the latest update, Reinsurance Group of America, Incorporated is trading at $266.75, up 1.03% on the day with a market capitalization of $17.4 billion. The financial health score for RGA is 41/100, 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 41/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for RGA.
- Sector peers: Compare RGA against 6 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 41/100 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.