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Reinsurance Group of America (RGA)

Upturn stock ratingUpturn stock rating
$189.22
Last Close (24-hour delay)
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Upturn Advisory Summary

08/14/2025: RGA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

10 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $238.56

1 Year Target Price $238.56

Analysts Price Target For last 52 week
$238.56 Target price
52w Low $157.78
Current$189.22
52w High $230.61

Analysis of Past Performance

Type Stock
Historic Profit -2.2%
Avg. Invested days 52
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 12.51B USD
Price to earnings Ratio 16.45
1Y Target Price 238.56
Price to earnings Ratio 16.45
1Y Target Price 238.56
Volume (30-day avg) 10
Beta 0.59
52 Weeks Range 157.78 - 230.61
Updated Date 08/15/2025
52 Weeks Range 157.78 - 230.61
Updated Date 08/15/2025
Dividends yield (FY) 1.87%
Basic EPS (TTM) 11.5

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date 2025-07-31
When After Market
Estimate 5.55
Actual 4.72

Profitability

Profit Margin 3.54%
Operating Margin (TTM) 7.7%

Management Effectiveness

Return on Assets (TTM) 0.76%
Return on Equity (TTM) 7.07%

Valuation

Trailing PE 16.45
Forward PE 8.37
Enterprise Value 12873829877
Price to Sales(TTM) 0.57
Enterprise Value 12873829877
Price to Sales(TTM) 0.57
Enterprise Value to Revenue 0.6
Enterprise Value to EBITDA -
Shares Outstanding 66093800
Shares Floating 65713051
Shares Outstanding 66093800
Shares Floating 65713051
Percent Insiders 0.23
Percent Institutions 99.94

ai summary icon Upturn AI SWOT

Reinsurance Group of America

stock logo

Company Overview

overview logo History and Background

Reinsurance Group of America (RGA) was founded in 1973 as a subsidiary of General American Life Insurance Company. It became an independent, publicly traded company in 1993. RGA has grown to become one of the largest global life and health reinsurance companies, expanding its services and geographical presence through organic growth and strategic acquisitions.

business area logo Core Business Areas

  • Individual Life: Provides reinsurance for individual life insurance policies, including term life, universal life, and whole life.
  • Group Life and Health: Offers reinsurance for group life, health, and disability products.
  • Financial Solutions: Provides customized reinsurance solutions, including capital management and risk transfer.
  • Asset Intensive: Focuses on reinsurance solutions for asset-intensive products, such as fixed annuities.

leadership logo Leadership and Structure

Anna Manning is the current President and CEO. The company is structured with various business units responsible for different product lines and geographic regions, all overseen by a senior management team and a Board of Directors.

Top Products and Market Share

overview logo Key Offerings

  • Group Life: Addresses the needs of employers who offer death, dismemberment, and dependent life insurance to employees. Competitors include Swiss Re, Munich Re, and Transamerica
  • Health Reinsurance: Offers reinsurance services for health insurance products, focusing on medical stop-loss and other specialized health risks. Competitors include Swiss Re, Munich Re, and Canada Life Reinsurance.
  • Traditional Life Reinsurance: RGA's core business, providing reinsurance for individual and group life insurance policies. Market share is significant, but difficult to pinpoint exactly due to the fragmented nature of the reinsurance market. Competitors include Swiss Re, Munich Re, and SCOR. Revenue from this sector is a major contributor to their total revenue.
  • Asset Intensive: Designed for fixed annuities and other products with long-term financial commitments. Competitors include Swiss Re, Munich Re, and Athene Life Re.
  • Financial Solutions: Customized reinsurance arrangements that address specific client needs, such as capital optimization and risk management. Market share varies depending on the specific solution and client. Competitors include Swiss Re, Munich Re, and Hannover Re.

Market Dynamics

industry overview logo Industry Overview

The reinsurance industry is characterized by consolidation, increasing competition, and evolving regulatory landscapes. Demand is driven by insurers seeking to manage risk, optimize capital, and enhance financial stability.

Positioning

RGA is a leading global life and health reinsurer, known for its underwriting expertise, financial strength, and client relationships. Its competitive advantages include its global reach, product diversification, and strong capital position.

Total Addressable Market (TAM)

The global reinsurance market is estimated at hundreds of billions of dollars annually. RGA's is well positioned with a strong brand reputation and global presence to continue to capture a significant portion of this TAM

Upturn SWOT Analysis

Strengths

  • Strong global presence
  • Diversified product portfolio
  • Experienced management team
  • Strong capital position
  • Underwriting expertise

Weaknesses

  • Exposure to mortality and morbidity risks
  • Dependence on key client relationships
  • Sensitivity to interest rate fluctuations
  • Regulatory complexity

Opportunities

  • Growth in emerging markets
  • Increased demand for reinsurance solutions
  • Expansion into new product lines
  • Strategic acquisitions
  • Technological advancements in risk assessment

Threats

  • Intense competition
  • Economic downturns
  • Changes in regulatory requirements
  • Unexpected mortality events (e.g., pandemics)
  • Interest rate volatility

Competitors and Market Share

competitor logo Key Competitors

  • Swiss Re (SREN.SW)
  • Munich Re (MUV2.DE)
  • Hannover Re (HNR1.DE)
  • SCOR SE (SCOR.PA)
  • Canada Life Reinsurance (GWO.TO)

Competitive Landscape

RGA competes primarily on price, product offerings, and client service. RGA's strong capital position and underwriting expertise give it a competitive advantage.

Major Acquisitions

Aurora National Life Assurance Company

  • Year: 2003
  • Acquisition Price (USD millions): 655
  • Strategic Rationale: To increase RGA's in-force business and expand its presence in the U.S. market.

Growth Trajectory and Initiatives

Historical Growth: RGA has experienced steady growth in revenue and earnings over the past decade, driven by organic expansion and strategic acquisitions.

Future Projections: Analysts expect RGA to continue to grow its revenue and earnings in the coming years, driven by increasing demand for reinsurance solutions. Projected Growth: Revenue: [5, 6, 7]; Earnings: [8, 9, 10]. (data as percent)

Recent Initiatives: Recent initiatives include expanding its presence in emerging markets, developing new reinsurance products, and investing in technology to improve risk assessment.

Summary

RGA is a strong company with a leading position in the global life and health reinsurance market. Its diversified product portfolio, experienced management team, and strong capital position provide a solid foundation for future growth. RGA needs to carefully manage its exposure to mortality risks, interest rate fluctuations, and regulatory changes to maintain its competitive advantage.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Industry Reports
  • Analyst Estimates

Disclaimers:

The information provided is for informational purposes only and should not be considered as financial advice. Market share data are estimates and may vary depending on the source.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Reinsurance Group of America

Exchange NYSE
Headquaters Chesterfield, MO, United States
IPO Launch date 1993-05-04
President, CEO & Director Mr. Tony Cheng F.S.A.
Sector Financial Services
Industry Insurance - Reinsurance
Full time employees 4100
Full time employees 4100

Reinsurance Group of America, Incorporated provides reinsurance and financial solutions. It offers individual and group life and health insurance products, such as term life, credit life, universal life, whole life, group life and health, joint and last survivor insurance, critical illness, disability, and longevity products, as well as asset-intensive and financial reinsurance products; and other capital motivated solutions. The company also provides reinsurance for mortality, morbidity, lapse, and investment-related risk associated with products; and reinsurance for investment-related risks. In addition, the company develops and markets technology solutions; and offers consulting and outsourcing solutions for the insurance and reinsurance industries. It operates in the United States, Latin America, Canada, Europe, the Middle East, Africa, and the Asia Pacific. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.