REINSURANCE GROUP OF AMERICA (RGA) Stock Fundamental Analysis
NYSE:RGA • US7593516047
215.73 USD
-4.69 (-2.13%)
At close: Feb 27, 2026
215.73 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
RGA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. RGA scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RGA has a correct valuation and a medium growth rate. RGA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year RGA was profitable.
- RGA had a positive operating cash flow in the past year.
- In the past 5 years RGA has always been profitable.
- RGA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- RGA's Return On Assets of 0.57% is on the low side compared to the rest of the industry. RGA is outperformed by 68.00% of its industry peers.
- RGA has a Return On Equity of 6.68%. This is in the lower half of the industry: RGA underperforms 68.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- RGA has a worse Profit Margin (3.89%) than 68.67% of its industry peers.
- In the last couple of years the Profit Margin of RGA has grown nicely.
- RGA has a worse Operating Margin (7.39%) than 69.33% of its industry peers.
- RGA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| GM | N/A |
OM growth 3Y12.85%
OM growth 5Y9.09%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- RGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for RGA has been reduced compared to 1 year ago.
- RGA has less shares outstanding than it did 5 years ago.
- RGA has a better debt/assets ratio than last year.
2.2 Solvency
- RGA has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
- RGA has a better Debt to FCF ratio (1.18) than 67.33% of its industry peers.
- A Debt/Equity ratio of 0.44 indicates that RGA is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.44, RGA is not doing good in the industry: 63.33% of the companies in the same industry are doing better.
- Even though the debt/equity ratio score it not favorable for RGA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.31% over the past year.
- Measured over the past years, RGA shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.81% on average per year.
- The Revenue has been growing slightly by 7.16% in the past year.
- The Revenue has been growing by 10.15% on average over the past years. This is quite good.
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
3.2 Future
- RGA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.83% yearly.
- RGA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.18% yearly.
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue Next Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
Revenue Next 5Y9.18%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.81, the valuation of RGA can be described as reasonable.
- 68.00% of the companies in the same industry are more expensive than RGA, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.07. RGA is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 8.30, the valuation of RGA can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RGA indicates a somewhat cheap valuation: RGA is cheaper than 67.33% of the companies listed in the same industry.
- RGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.3 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, RGA is valued cheaply inside the industry as 84.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.45
PEG (5Y)0.33
EPS Next 2Y7.69%
EPS Next 3Y9.9%
5. Dividend
5.1 Amount
- RGA has a Yearly Dividend Yield of 1.69%. Purely for dividend investing, there may be better candidates out there.
- RGA's Dividend Yield is comparable with the industry average which is at 2.46.
- RGA's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
5.2 History
- On average, the dividend of RGA grows each year by 6.13%, which is quite nice.
- RGA has paid a dividend for at least 10 years, which is a reliable track record.
- RGA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.13%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
- 27.34% of the earnings are spent on dividend by RGA. This is a low number and sustainable payout ratio.
- The dividend of RGA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.34%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
215.73
-4.69 (-2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05 2026-02-05/amc
Earnings (Next)04-29 2026-04-29/amc
Inst Owners99.74%
Inst Owner Change-0.55%
Ins Owners0.2%
Ins Owner Change2.54%
Market Cap14.12B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target245.18 (13.65%)
Short Float %0.94%
Short Ratio1.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-17 2026-02-17 (0.93)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.58%
Min EPS beat(2)-16.11%
Max EPS beat(2)8.95%
EPS beat(4)2
Avg EPS beat(4)-1.96%
Min EPS beat(4)-16.11%
Max EPS beat(4)8.95%
EPS beat(8)6
Avg EPS beat(8)6.13%
EPS beat(12)9
Avg EPS beat(12)9.49%
EPS beat(16)12
Avg EPS beat(16)19.04%
Revenue beat(2)1
Avg Revenue beat(2)0.71%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)3.8%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)3.8%
Revenue beat(8)4
Avg Revenue beat(8)5.03%
Revenue beat(12)7
Avg Revenue beat(12)4.65%
Revenue beat(16)9
Avg Revenue beat(16)3.59%
PT rev (1m)1.85%
PT rev (3m)2.09%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)-2.53%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.81 | ||
| Fwd PE | 8.3 | ||
| P/S | 0.63 | ||
| P/FCF | 2.92 | ||
| P/OCF | 2.92 | ||
| P/B | 1.09 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)24.5
EY11.36%
EPS(NY)25.99
Fwd EY12.05%
FCF(TTM)73.92
FCFY34.27%
OCF(TTM)73.92
OCFY34.27%
SpS340.86
BVpS198.26
TBVpS198.26
PEG (NY)1.45
PEG (5Y)0.33
Graham Number330.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 6.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 7.39% | ||
| PM (TTM) | 3.89% | ||
| GM | N/A | ||
| FCFM | 21.69% |
ROA(3y)0.76%
ROA(5y)0.83%
ROE(3y)8.45%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y12.85%
OM growth 5Y9.09%
PM growth 3Y16.19%
PM growth 5Y11.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 1.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.49 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 558.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.31%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.31%
EPS 3Y19.27%
EPS 5Y26.81%
EPS Q2Q%55.31%
EPS Next Y6.08%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
EPS Next 5Y9.83%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y13.38%
Revenue growth 5Y10.15%
Sales Q2Q%27.52%
Revenue Next Year10.56%
Revenue Next 2Y8.16%
Revenue Next 3Y8.01%
Revenue Next 5Y9.18%
EBIT growth 1Y32.98%
EBIT growth 3Y27.95%
EBIT growth 5Y20.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-46.21%
OCF growth 3YN/A
OCF growth 5YN/A
REINSURANCE GROUP OF AMERICA / RGA FAQ
Can you provide the ChartMill fundamental rating for REINSURANCE GROUP OF AMERICA?
ChartMill assigns a fundamental rating of 5 / 10 to RGA.
Can you provide the valuation status for REINSURANCE GROUP OF AMERICA?
ChartMill assigns a valuation rating of 6 / 10 to REINSURANCE GROUP OF AMERICA (RGA). This can be considered as Fairly Valued.
How profitable is REINSURANCE GROUP OF AMERICA (RGA) stock?
REINSURANCE GROUP OF AMERICA (RGA) has a profitability rating of 3 / 10.
What is the valuation of REINSURANCE GROUP OF AMERICA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for REINSURANCE GROUP OF AMERICA (RGA) is 8.81 and the Price/Book (PB) ratio is 1.09.
Is the dividend of REINSURANCE GROUP OF AMERICA sustainable?
The dividend rating of REINSURANCE GROUP OF AMERICA (RGA) is 7 / 10 and the dividend payout ratio is 27.34%.