REINSURANCE GROUP OF AMERICA (RGA) Stock Fundamental Analysis
NYSE:RGA • US7593516047
220.06 USD
+1.65 (+0.76%)
At close: Feb 25, 2026
220.06 USD
0 (0%)
After Hours: 2/25/2026, 8:04:00 PM
We assign a fundamental rating of 5 out of 10 to RGA. RGA was compared to 150 industry peers in the Insurance industry. The financial health of RGA is average, but there are quite some concerns on its profitability. RGA has a decent growth rate and is not valued too expensively. Finally RGA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- RGA had positive earnings in the past year.
- In the past year RGA had a positive cash flow from operations.
- Each year in the past 5 years RGA has been profitable.
- RGA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.57%, RGA is doing worse than 68.00% of the companies in the same industry.
- RGA's Return On Equity of 6.68% is on the low side compared to the rest of the industry. RGA is outperformed by 70.00% 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's Profit Margin of 3.89% is on the low side compared to the rest of the industry. RGA is outperformed by 70.00% of its industry peers.
- RGA's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 7.39%, RGA is not doing good in the industry: 69.33% of the companies in the same industry are doing better.
- 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.
- Compared to 1 year ago, RGA has less shares outstanding
- 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.
- The Debt to FCF ratio of RGA (1.18) is better than 67.33% of its industry peers.
- RGA has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
- RGA has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: RGA underperforms 62.67% of its industry peers.
- 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
WACC7.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RGA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.31%, which is quite good.
- 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.
- The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
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
- The Price/Earnings ratio is 8.98, which indicates a very decent valuation of RGA.
- 66.67% 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 27.05. RGA is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 8.47, which indicates a very decent valuation of RGA.
- Based on the Price/Forward Earnings ratio, RGA is valued a bit cheaper than the industry average as 66.00% of the companies are valued more expensively.
- RGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, RGA is valued cheaper than 84.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.98 | ||
| 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)1.48
PEG (5Y)0.33
EPS Next 2Y7.69%
EPS Next 3Y9.9%
5. Dividend
5.1 Amount
- RGA has a Yearly Dividend Yield of 1.67%. Purely for dividend investing, there may be better candidates out there.
- RGA's Dividend Yield is comparable with the industry average which is at 2.63.
- Compared to an average S&P500 Dividend Yield of 1.80, RGA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
5.2 History
- The dividend of RGA is nicely growing with an annual growth rate of 6.13%!
- RGA has paid a dividend for at least 10 years, which is a reliable track record.
- RGA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.13%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
- RGA pays out 27.34% of its income as dividend. This is a sustainable payout ratio.
- RGA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.34%
EPS Next 2Y7.69%
EPS Next 3Y9.9%
220.06
+1.65 (+0.76%)
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-0.56%
Ins Owners0.2%
Ins Owner Change2.54%
Market Cap14.41B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target238.17 (8.23%)
Short Float %0.94%
Short Ratio1.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.67% |
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)-1.06%
PT rev (3m)-0.83%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)-2.89%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0.61%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 8.47 | ||
| P/S | 0.65 | ||
| P/FCF | 2.98 | ||
| P/OCF | 2.98 | ||
| P/B | 1.11 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)24.5
EY11.13%
EPS(NY)25.99
Fwd EY11.81%
FCF(TTM)73.92
FCFY33.59%
OCF(TTM)73.92
OCFY33.59%
SpS340.86
BVpS198.26
TBVpS198.26
PEG (NY)1.48
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
WACC7.38%
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 8.98 and the Price/Book (PB) ratio is 1.11.
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%.