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Upturn AI SWOT - About
Reinsurance Group of America Inc (RZB)
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Upturn Advisory Summary
09/15/2025: 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 -5.04% | Avg. Invested days 44 | 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 09/15/2025 |
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 a public company in 1993. RGA has grown to become one of the largest global life and health reinsurers, operating in numerous markets worldwide.
Core Business Areas
- Individual Life Reinsurance: Provides reinsurance coverage for individual life insurance policies, including term life, universal life, and whole life products.
- Group Life and Health Reinsurance: Offers reinsurance for group life, health, and disability insurance products offered by employers and other organizations.
- Financial Solutions: Provides reinsurance solutions for managing capital, risk, and surplus for insurance companies. These include structured reinsurance and asset-intensive transactions.
- Longevity Reinsurance: Covers the risk of policyholders living longer than expected, impacting annuity and pension liabilities.
Leadership and Structure
Anna Manning is the Chief Executive Officer and President. RGA has a typical corporate structure with a board of directors and various executive management teams responsible for different business areas and functions.
Top Products and Market Share
Key Offerings
- Market Share (%): 25
- Mortality Reinsurance: RGA's core offering, providing reinsurance against mortality risk. They are a major player in this market, estimated around 25% global market share. Competitors include Swiss Re, Munich Re, and Hannover Re.
- Living Benefits Reinsurance: Covers morbidity risk associated with critical illness, disability, and long-term care. Competitors include Swiss Re, Munich Re, and Canada Life Re.
- Market Share (%): 20
- Financial Solutions Reinsurance: Structured reinsurance and capital management solutions for insurers. Competitors include Bermuda-based reinsurers and other large reinsurance firms.
- Market Share (%): 15
Market Dynamics
Industry Overview
The reinsurance industry is characterized by intense competition, fluctuating pricing cycles, and increasing complexity due to evolving regulatory requirements and economic conditions. Demand is driven by insurance companies seeking to manage risk and capital more efficiently. Global population growth and aging populations drive growth in life and health reinsurance. Climate change is also impacting reinsurance markets.
Positioning
RGA is a leading global life and health reinsurer, known for its expertise, strong financial position, and long-term relationships with clients. RGA competes on pricing, service, and product innovation. They are well-positioned to capitalize on global growth opportunities in life and health insurance.
Total Addressable Market (TAM)
The global reinsurance market is estimated to be several hundred billion dollars. RGA is positioned to address a significant portion of the life and health reinsurance segment. RGA's TAM is dependent on the economic landscape, insurance market conditions and regulatory environment.
Upturn SWOT Analysis
Strengths
- Global presence and scale
- Strong financial strength and capital position
- Deep expertise in life and health reinsurance
- Long-standing relationships with clients
- Diversified product portfolio
Weaknesses
- Exposure to mortality and morbidity risks
- Vulnerability to interest rate fluctuations
- Dependence on macroeconomic conditions
- Competitive pricing pressures
- Complex regulatory environment
Opportunities
- Growth in emerging markets
- Increased demand for reinsurance due to regulatory changes
- Development of new reinsurance products and services
- Strategic acquisitions and partnerships
- Expanding into adjacent markets
Threats
- Intense competition from other reinsurers
- Catastrophic events (pandemics, natural disasters) impacting mortality and morbidity
- Adverse changes in mortality or morbidity rates
- Changes in regulatory requirements
- Economic downturns impacting insurance sales
Competitors and Market Share
Key Competitors
- Swiss Re (SREN.VX)
- Munich Re (MUV2.DE)
- Hannover Re (HNR1.DE)
Competitive Landscape
RGA is a strong competitor in the life and health reinsurance market. Its main advantages are its expertise and global presence. RGAu2019s competitors are larger and have significant financial resources.
Major Acquisitions
Aurora National Life Assurance Company
- Year: 2003
- Acquisition Price (USD millions): 755
- Strategic Rationale: Increased RGA's US presence and provided access to a large block of in-force business.
Growth Trajectory and Initiatives
Historical Growth: RGA has grown steadily over the past decade, driven by organic growth and strategic acquisitions. Revenue and earnings have increased at a moderate pace.
Future Projections: Analyst estimates suggest continued growth for RGA, driven by global demand for reinsurance and new product development. Revenue growth is projected at 5-7% per year.
Recent Initiatives: RGA has recently focused on expanding its presence in emerging markets, investing in technology and data analytics, and developing new reinsurance solutions for longevity risk.
Summary
RGA is a solid global life and health reinsurer with a strong market position and expertise. It benefits from a diversified product portfolio and long-standing client relationships. Challenges include competitive pricing pressures and exposure to mortality and morbidity risks. Strategic initiatives in emerging markets and new product development are key to future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports and filings
- Industry publications
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance are subject to change.
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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