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Upturn AI SWOT - About
RGA 
Reinsurance Group of America (RGA)
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Upturn Advisory Summary
10/15/2025: RGA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $238.9
1 Year Target Price $238.9
| 3 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.3% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.43B USD | Price to earnings Ratio 16.31 | 1Y Target Price 238.9 |
Price to earnings Ratio 16.31 | 1Y Target Price 238.9 | ||
Volume (30-day avg) 10 | Beta 0.6 | 52 Weeks Range 157.78 - 230.61 | Updated Date 10/17/2025 |
52 Weeks Range 157.78 - 230.61 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.89% | Basic EPS (TTM) 11.51 |
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 - | When - | Estimate - | Actual - |
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 16.31 | Forward PE 7.72 | Enterprise Value 13131595506 | Price to Sales(TTM) 0.57 |
Enterprise Value 13131595506 | Price to Sales(TTM) 0.57 | ||
Enterprise Value to Revenue 0.61 | Enterprise Value to EBITDA - | Shares Outstanding 66093751 | Shares Floating 65740810 |
Shares Outstanding 66093751 | Shares Floating 65740810 | ||
Percent Insiders 0.23 | Percent Institutions 99.96 |
Upturn AI SWOT
Reinsurance Group of America
Company Overview
History and Background
Reinsurance Group of America (RGA) was founded in 1973 as a subsidiary of General American Life Insurance Company. It became independent in 1993. RGA has grown to be one of the largest global life and health reinsurance companies, expanding through organic growth and strategic acquisitions.
Core Business Areas
- Individual Life Reinsurance: Provides reinsurance solutions for individual life insurance products, covering mortality, morbidity, and other risks.
- Group Life and Health Reinsurance: Offers reinsurance for group life and health insurance policies, including term life, medical, disability, and critical illness coverage.
- Financial Solutions: Focuses on providing capital and risk management solutions to life insurers, including asset-intensive and capital-motivated transactions.
- Corporate Solutions: Includes businesses where RGA seeks to achieve targeted returns, such as business development, investment, credit insurance and longevity risk transfer.
Leadership and Structure
Anna Manning is the President and Chief Executive Officer. RGA operates with a global organizational structure, with regional offices in North America, Latin America, EMEA, and Asia Pacific. The company has a board of directors overseeing corporate governance.
Top Products and Market Share
Key Offerings
- Mortality Reinsurance: Reinsurance covering the risk of death. RGA is a leading provider in this segment. Competitors include Swiss Re, Munich Re, and SCOR. Market share data is fragmented, but RGA is considered to be a top 3 player globally. Revenue from this product makes up the majority of the company's revenue base.
- Living Benefits Reinsurance: Reinsurance covering the risk of morbidity, such as critical illness or disability. Market share data is fragmented, but RGA is considered a major player. Competitors include Swiss Re, Munich Re, and Canada Life Reinsurance.
- Longevity Reinsurance: Reinsurance that helps insurance companies manage the financial risk associated with people living longer than expected. RGA competes with Swiss Re, Munich Re, and Prudential Financial (PRU). Market share data is dynamic.
Market Dynamics
Industry Overview
The reinsurance industry is highly competitive, characterized by cyclical pricing, evolving regulatory environments (e.g., Solvency II), and increasing demand driven by aging populations and growing awareness of risk management. Low interest rates can also impact profitability.
Positioning
RGA is positioned as one of the largest and most diversified life and health reinsurers globally. Its competitive advantages include its scale, expertise, strong relationships with clients, and geographic reach.
Total Addressable Market (TAM)
The global reinsurance market is estimated to be in the hundreds of billions of dollars annually. RGA captures a portion of this market, primarily focusing on life and health reinsurance. TAM is dynamic based on prevailing market conditions.
Upturn SWOT Analysis
Strengths
- Global scale and diversified business model
- Strong underwriting expertise and risk management capabilities
- Long-standing relationships with major insurance companies
- Financial strength and stability
- Innovation in product development and solutions
Weaknesses
- Exposure to market volatility and interest rate fluctuations
- Reliance on key personnel and talent management
- Potential for adverse mortality or morbidity experience
- Complexity of regulatory requirements
Opportunities
- Expansion into emerging markets with growing insurance demand
- Development of new reinsurance products and services
- Strategic acquisitions to enhance market share and capabilities
- Increased demand for risk management solutions due to economic uncertainty
- Leveraging technology and data analytics for improved underwriting
Threats
- Intense competition from other reinsurers
- Changes in regulatory requirements and capital standards
- Economic downturns and financial market crises
- Emergence of new risks, such as pandemics and climate change
- Decreasing mortality rates are good for society but threaten the economics of mortality-related reinsurance products.
Competitors and Market Share
Key Competitors
- Swiss Re (SSREY)
- Munich Re (MURGY)
- SCOR SE (SCOR.PA)
Competitive Landscape
RGA competes primarily on price, service, and expertise. The company's global scale and strong relationships give it a competitive advantage. The reinsurance market is highly competitive, requiring continual innovation and adaptation.
Major Acquisitions
Aurora National Life Assurance Company
- Year: 2003
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded RGA's presence in the US individual life reinsurance market.
ReliaStar Life Reinsurance Company of New York
- Year: 2005
- Acquisition Price (USD millions): 230
- Strategic Rationale: Increased RGA's capacity and expertise in financial solutions and US mortality risk.
Growth Trajectory and Initiatives
Historical Growth: RGA's historical growth has been driven by organic expansion and acquisitions. Growth rates vary depending on market conditions and business strategy.
Future Projections: Analyst estimates are dynamic and fluctuate. Consensus estimates from various financial institutions may vary depending on the year. The company's own predictions should also be considered.
Recent Initiatives: RGA is focused on expanding its international presence, developing new products and services, and leveraging technology to improve efficiency and risk management. They are also expanding their capital solutions business and looking for strategic opportunities in Asia-Pacific.
Summary
Reinsurance Group of America is a leading global life and health reinsurer with a strong market position and diversified business model. Its strengths lie in its scale, expertise, and long-standing client relationships. However, RGA faces challenges related to market volatility, regulatory changes, and intense competition. The company is focused on growth opportunities in emerging markets and through product innovation, but must proactively manage its risks and maintain financial strength.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Reinsurance Group of America (RGA) investor relations website
- Company 10K filings
- Analyst reports from financial institutions
- Industry publications (e.g., Best's Review, Reinsurance News)
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. The data provided is based on available information and may be subject to change. Consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.rgare.com |
Full time employees 4100 | Website https://www.rgare.com | ||
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.
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