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Upturn AI SWOT - About
Reinsurance Group of America Inc (RZB)
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Upturn Advisory Summary
10/15/2025: RZB (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.
Analysis of Past Performance
Type Stock | Historic Profit -5.5% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.65B USD | Price to earnings Ratio 4.04 | 1Y Target Price - |
Price to earnings Ratio 4.04 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.63 | 52 Weeks Range 22.94 - 25.63 | Updated Date 06/29/2025 |
52 Weeks Range 22.94 - 25.63 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 14.26% | Basic EPS (TTM) 6.09 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.77% | Operating Margin (TTM) 8.54% |
Management Effectiveness
Return on Assets (TTM) 0.74% | Return on Equity (TTM) 7.6% |
Valuation
Trailing PE 4.04 | Forward PE - | Enterprise Value 1845375744 | Price to Sales(TTM) 0.41 |
Enterprise Value 1845375744 | Price to Sales(TTM) 0.41 | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding 62774700 | Shares Floating 65686151 |
Shares Outstanding 62774700 | Shares Floating 65686151 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Reinsurance Group of America Inc
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 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 reach through acquisitions and organic growth.
Core Business Areas
- Individual Life: Provides reinsurance solutions for individual life insurance policies, including term life, universal life, and whole life products.
- Group Life and Health: Offers reinsurance for group life, health, and disability insurance products, helping insurers manage risk related to employee benefits.
- Financial Solutions: Provides reinsurance solutions that support capital management, risk transfer, and asset optimization for insurance companies.
- Longevity Solutions: Offers reinsurance products that mitigate longevity risk, where insurers are exposed to the risk of policyholders living longer than expected.
Leadership and Structure
RGA operates with a hierarchical structure. The leadership team consists of the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other executive officers. The company's organizational structure is divided into business segments, each headed by senior management responsible for its performance. Anna Manning is the current CEO.
Top Products and Market Share
Key Offerings
- Traditional Life Reinsurance: Includes term, whole, and universal life reinsurance solutions. It's a significant revenue driver. Market share varies by region, but RGA is a major player globally. Competitors include Swiss Re and Hannover Re.
- Financial Reinsurance: Covers products designed to optimize capital and manage risk. Revenue contribution is substantial, driven by large transactions. Competitors include SCOR and Munich Re.
- Health Reinsurance: RGA offers reinsurance for health insurance products, including medical stop-loss, critical illness, and disability. Competitors include Canada Life Reinsurance and Transatlantic Reinsurance.
- Longevity Reinsurance: Provides solutions for insurers facing longevity risk, particularly in annuity products. This is a growing area. Competitors include Pacific Life Re and Wilton Re.
Market Dynamics
Industry Overview
The reinsurance industry is characterized by risk sharing among insurance companies. Factors such as mortality rates, healthcare costs, and economic conditions influence the industry. Increased regulatory scrutiny and technological advancements are shaping the landscape.
Positioning
RGA is a leading global life and health reinsurer, known for its expertise, financial strength, and long-term relationships with clients. Its competitive advantages include its global presence, diverse product offerings, and strong underwriting capabilities.
Total Addressable Market (TAM)
The global reinsurance market is estimated at hundreds of billions of dollars. RGA is well-positioned to capture a significant portion of this market, especially in life and health reinsurance segments.
Upturn SWOT Analysis
Strengths
- Global Presence
- Strong Underwriting Expertise
- Diversified Product Portfolio
- Strong Financial Position
- Long-Standing Client Relationships
Weaknesses
- Exposure to Mortality and Morbidity Risks
- Sensitivity to Interest Rate Fluctuations
- Dependence on Key Clients
- Regulatory Complexity
- Potential for Large Losses
Opportunities
- Growing Demand for Reinsurance in Emerging Markets
- Increasing Complexity of Insurance Products
- Technological Advancements in Risk Assessment
- Ageing Populations Driving Longevity Reinsurance Needs
- Expansion into New Product Lines
Threats
- Intense Competition
- Economic Downturns Impacting Insurance Sales
- Changes in Regulatory Environment
- Catastrophic Events Leading to Large Claims
- Interest Rate Volatility
Competitors and Market Share
Key Competitors
- SLFRE.PA
- SCOR.PA
- MUV2.DE
Competitive Landscape
RGA is a strong competitor due to its global presence and underwriting expertise. Challenges include pricing pressures and increasing competition.
Major Acquisitions
Aurora National Life Assurance Company
- Year: 2003
- Acquisition Price (USD millions): 620
- Strategic Rationale: Increased RGA's presence in the U.S. market and expanded its product portfolio.
Growth Trajectory and Initiatives
Historical Growth: RGA has experienced steady revenue and earnings growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for RGA, driven by increasing demand for reinsurance and its strong competitive position.
Recent Initiatives: RGA has been investing in technology, expanding its presence in emerging markets, and developing new reinsurance solutions.
Summary
Reinsurance Group of America is a leading global reinsurer with a strong market position. It benefits from a diverse product portfolio and global presence. Key areas to watch are interest rate sensitivity and competition in the reinsurance market, and the company needs to continue adapting to new regulatory compliance. Overall, RGA demonstrates moderate growth potential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data can fluctuate, and actual results may vary. Market share data is estimated and may not reflect precise figures.
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 Inc
Exchange NYSE | Headquaters Chesterfield, MO, United States | ||
IPO Launch date 2016-06-13 | President, CEO & Director Mr. Tony Cheng F.S.A. | ||
Sector - | Industry - | 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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