Reinsurance Group of America, Incorporated
RGA · Price history
Price at last available close
$255.98
+$7.26 (+2.92%) 1M
2026-10-09
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Reinsurance Group of America, Incorporated
Who they are
Reinsurance Group of America, Inc. (RGA) primarily operates within the reinsurance sector. The company delivers a comprehensive portfolio of life and health reinsurance products, spanning both individual and group coverages. These include diverse life insurance options such as term, credit, universal, whole, and joint/last survivor policies, in addition to critical illness, disability, and longevity products.
Geographic revenue
Period ended 2025-12-31
Period ended 2025-12-31
Period ended 2025-12-31
Period ended 2025-12-31
Detailed revenue, brand and relationship research has not yet been completed for RGA.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
68
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
66
Fair
Financial Strength
48
Business Quality / Moat
73
Management
80
Growth Quality
68
Risk / Durability
70
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
78
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
74/100
Building Historical Record
Model Score 74/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for RGA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can RGA maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is RGA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does RGA's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is RGA's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
68
Opportunity Score
78
Market Cap
$16.77B
P/E Ratio
10.7
EPS
$23.02
52-Week High
$257.81
52-Week Low
$178.21
Beta
0.46
Intrinsic Value
$784.92
Analyst Target
$278.50
Shares Outstanding
66.7M
Total Revenue
$25.68B
Total Debt
$5.71B
Dividend
No current dividend
Liquidation Value / Share
$206.56
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for RGA
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on RGA.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Reinsurance industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
62
Jul 24, 2026
Change
+6.2
points
Current Score
68
Oct 1, 2026
Category Changes
RGA increased 6.2 points because Revenue improved by 6.4 points, Capital improved by 6 points, Management improved by 2.5 points.
Positive Contributors
- + Revenue improved by 6.4 points
- + Capital improved by 6 points
- + Management improved by 2.5 points
- + Valuation improved by 14.6 points
- + Buffett improved by 3.1 points
Projected Score
Projected Score
72
Projected Change
+4.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 4.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.
Stored EPS: $23.02 · Growth assumption: 11.3% · Earnings multiplier: 31.1×.
Current Price
$255.98
Model Intrinsic Value
$784.92
Difference
−$528.94
-67.4% vs IV
Margin of Safety
67.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.68B | $22.79B | $22.04B | $18.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $19.21B | $17.00B | $19.55B | $16.06B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $6.47B | $5.79B | $2.49B | $2.33B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $4.59B | $4.25B | $1.51B | $1.17B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $2.27B | $1.95B | $1.33B | $1.46B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.88B | $1.54B | $980.0M | $1.16B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $396.0M | $366.0M | $304.0M | $257.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $1.88B | $1.54B | $980.0M | $1.16B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $361.0M | $351.0M | $256.0M | $251.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $1.51B | $1.18B | $717.0M | $902.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $23.02 | $17.94 | $10.90 | $13.60 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 66.09M | 66.09M | 65.80M | 67.10M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 66.73M | 66.73M | 66.90M | 67.10M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$6.64B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$7.01
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-0.4%
Cash Change
-2.4%
Margin Change
+3.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 19.5%. EPS increased 159.6%. Cash declined 2.4%. Total debt declined 0.4%. Net income margin improved by 3.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
40
Smart Money
40
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium unlocks the full historical outperformance record: completed predictions, results chart, win rate, and calibration statistics.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Insurance - ReinsuranceNews
Reinsurance Group of America, Incorporated (RGA) Hit a 52 Week High, Can the Run Continue?
Reinsurance Group of America: Medical And Rate Tailwinds Carry Further Upside (Upgrade)
3 Life Insurers Poised for Growth Amid Strong Annuity Demand
Should Value Investors Buy Reinsurance Group of America (RGA) Stock?
Rumor Mill · RGA
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial