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Reinsurance Group of America, Incorporated
RGA: NYSELowest reading is at 10 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Tony Cheng F.S.A.
Market Cap
16.24 Billion USD
Sector
Financial Services
Website
https://www.rgare.comLast Update
27/09/2026, 17:19:42
Description
Reinsurance Group of America, Incorporated provides life and health, and asset-intensive reinsurance in the United States, Latin America, Canada, Europe, the Middle East, Africa, Asia, and Australia.
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Strongest readings
- ✔Debt is low at 0.42 times equity
- ✔Price-to-earnings of 10.8 is below the market average of 19.6
- ✔Share count has been falling at 0.21% per year
Weakest readings
- ✘Revenue is growing at 0.44% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 10 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -15.11%)
- ✘Short-term liabilities exceed short-term assets (current ratio 0.94)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 10.80x | 19.60x | |
| ✘ | Margin of safety (DCF) | -15.11% | 17.95% | |
| ✘ | Revenue growth (5y average) | 0.44% | 10.97% | |
| ✘ | Dividend yield (TTM) | 1.50% | 1.85% | |
| ✔ | Share count, per year | -0.21% | 0.00% | |
| ✘ | Return on capital employed | 0.42% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
96 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 10.80x | 19.60x | |
| ✔ | Free cashflow yield | 16.55% | 4.70% | |
| ✔ | Price / earnings growth | 0.27x | 1.50x | |
| Price / book | 1.18x | — | ||
| ✘ | Margin of safety | -15.11% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 211.08 USD is below the current price of 248.65 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 305.9 USD ✔
Current Price: 248.7 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
10 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 0.44% | 10.97% | |
| ✘ | Earnings growth | -4.06% | 14.48% | |
| ✘ | Cashflow growth | -75.98% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (19.40% against a five year average of 0.44%)
- ✔Earnings growth has improved this year (97.17% against a five year average of -4.06%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 0.44% per year while free cashflow is falling at 75.98% per year
Health
48 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.42x | 0.80x | |
| ✔ | Debt / total capital | 0.29x | 1.00x | |
| Equity / assets | 8.19% | — | ||
| ✔ | Interest coverage | 6.99x | 2.50x | |
| Underwriting loss ratio | 100.13% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
63 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 1.50% | 1.85% | |
| ✔ | Dividend growth | 0.00% | 0.00% | |
| ✔ | Payout ratio (earnings) | 16.16% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 9.08% | 65.00% | |
| ✔ | Worst year, last 5 years | 0.00% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
56 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 3.37% | 15.00% | |
| ✘ | Return on capital employed | 0.42% | 10.00% | |
| Return on assets | 0.28% | — | ||
| Free cashflow return on capital | -0.27% | — | ||
| ✔ | Return on capital, 5y change | 0.05% | 0.00% | |
| ✔ | Share count, per year | -0.21% | 0.00% | |
| ✘ | Share count, recent | 0.46% | 0.00% | |
| ✔ | Realized buyback return | 142.98% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 27.38% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 96 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
RGA
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Reinsurance Group of America, Incorporated
Currency
USD
Beta
0.464
Vol Avg
341093
Ceo
Mr. Tony Cheng F.S.A.
Cik
0000898174
Cusip
Exchange
NYSE
Full Time Employees
4300
Industry
Insurance - Reinsurance
Sector
Financial Services
Ipo Date
Address
16600 Swingley Ridge Road
City
Chesterfield
State
MO
Country
United States
Zip
63017
Phone
636 736 7000
Analysis Last Updated
27/09/2026, 17:19:42
Financial data compiled from SEC EDGAR filings and Yahoo Finance.