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Upturn AI SWOT - About
Reinsurance Group of America Inc (RZB)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.37% | Avg. Invested days 42 | 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 08/14/2025 |
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, Incorporated (RGA) was founded in 1973 as a subsidiary of General American Life Insurance Company. It was spun off as a publicly traded company in 1993. RGA has grown to become one of the largest global life and health reinsurance companies.
Core Business Areas
- Individual Life: Reinsurance for individual life insurance products, including term life, universal life, and whole life.
- Group Life and Health: Reinsurance for group life and health insurance products, such as medical, dental, and disability coverage.
- Financial Solutions: Reinsurance solutions focused on capital management, risk transfer, and asset-intensive transactions.
- Asset Intensive: Reinsurance of fixed annuities and other savings products.
Leadership and Structure
Anna Manning is the Chief Executive Officer and President. The company operates with a global structure, with regional divisions led by senior executives. The board of directors provides governance and oversight.
Top Products and Market Share
Key Offerings
- Market Share (%): 25
- Mortality Reinsurance: Reinsurance for death benefits provided in life insurance policies. RGA is a leading provider of mortality reinsurance globally. Competitors include Swiss Re, Munich Re, and SCOR.
- Living Benefits Reinsurance: Reinsurance for benefits paid during the insured's lifetime, such as disability and critical illness. RGA provides these services in various markets. Competitors include Swiss Re, Munich Re, and Canada Life Reinsurance.
- Market Share (%): 20
- Financial Reinsurance: Reinsurance for capital management purposes for insurance companies. Competitors include Bermuda based reinsurers, as well as Swiss Re and Munich Re.
- Market Share (%): 15
Market Dynamics
Industry Overview
The reinsurance industry is characterized by increasing competition, evolving regulatory requirements, and the impact of macroeconomic factors such as interest rates and inflation. Life reinsurance is driven by mortality rates, longevity, and the demand for life insurance products.
Positioning
RGA is a leading player in the global life and health reinsurance market, known for its expertise, financial strength, and long-term relationships with clients. RGA distinguishes itself through in-depth data analytics and a diverse geographical presence.
Total Addressable Market (TAM)
The global reinsurance market is estimated to be around $300 billion. RGA is positioned to capture a significant portion of this TAM due to its established presence and broad product offerings.
Upturn SWOT Analysis
Strengths
- Strong global presence
- Deep expertise in life and health reinsurance
- Strong financial ratings
- Long-standing client relationships
- Advanced data analytics capabilities
Weaknesses
- Exposure to mortality and morbidity risks
- Sensitivity to interest rate fluctuations
- Potential for large losses from catastrophic events
- Reliance on accurate actuarial models
Opportunities
- Growth in emerging markets
- Increasing demand for reinsurance due to regulatory changes
- Expansion into new product lines
- Technological advancements in data analytics
- Aging population driving demand for life insurance and annuity products
Threats
- Increased competition from other reinsurers
- Adverse mortality or morbidity trends
- Regulatory changes that increase capital requirements
- Economic downturns that reduce demand for insurance
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- SLFRE.PA
- MUV2.DE
- SCOR.PA
- BRK.A
- GBL.BR
Competitive Landscape
RGA's competitive advantage lies in its global presence, specialized expertise, and strong client relationships. Competitors have similar strengths and weaknesses, and the industry is highly competitive.
Major Acquisitions
Aurora National Life Assurance Company
- Year: 2003
- Acquisition Price (USD millions): 315
- Strategic Rationale: Increased RGA's presence in the U.S. annuity market.
Growth Trajectory and Initiatives
Historical Growth: RGA has demonstrated steady growth in revenue and earnings over the past years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for RGA, driven by favorable demographic trends and increasing demand for reinsurance solutions. Check analyst reports for estimates.
Recent Initiatives: Recent initiatives include expanding into new markets, developing innovative reinsurance products, and investing in technology and data analytics.
Summary
RGA is a strong player in the reinsurance market with solid financials and global reach. Its expertise in life and health reinsurance, combined with data analytics, position it well for future growth. Regulatory changes and increased competition remain key watchouts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- RGA's Investor Relations Website
- Company Filings (SEC)
- Analyst Reports
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial professional.
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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