REINSURANCE GROUP OF AMERICA (RGA) Stock Fundamental Analysis

NYSE:RGA • US7593516047

220.1 USD
-4.34 (-1.93%)
Last: Feb 13, 2026, 03:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, RGA scores 5 out of 10 in our fundamental rating. RGA was compared to 149 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. RGA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year RGA was profitable.
  • RGA had a positive operating cash flow in the past year.
  • RGA had positive earnings in each of the past 5 years.
  • RGA had a positive operating cash flow in 4 of the past 5 years.
RGA Yearly Net Income VS EBIT VS OCF VS FCFRGA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

1.2 Ratios

  • The Return On Assets of RGA (0.57%) is worse than 69.13% of its industry peers.
  • RGA's Return On Equity of 6.68% is on the low side compared to the rest of the industry. RGA is outperformed by 71.14% of its industry peers.
Industry RankSector 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
RGA Yearly ROA, ROE, ROICRGA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 3.89%, RGA is not doing good in the industry: 70.47% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of RGA has grown nicely.
  • RGA has a Operating Margin of 7.39%. This is in the lower half of the industry: RGA underperforms 69.80% of its industry peers.
  • In the last couple of years the Operating Margin of RGA has grown nicely.
Industry RankSector 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
RGA Yearly Profit, Operating, Gross MarginsRGA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • Compared to 5 years ago, RGA has less shares outstanding
  • Compared to 1 year ago, RGA has an improved debt to assets ratio.
RGA Yearly Shares OutstandingRGA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
RGA Yearly Total Debt VS Total AssetsRGA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of RGA is 1.18, which is an excellent value as it means it would take RGA, only 1.18 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.18, RGA is in the better half of the industry, outperforming 67.11% of the companies in the same industry.
  • RGA has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of RGA (0.44) is worse than 62.42% 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 RankSector Rank
Debt/Equity 0.44
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC7.51%
RGA Yearly LT Debt VS Equity VS FCFRGA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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.
  • Looking at the last year, RGA shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
  • RGA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.15% yearly.
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

  • The Earnings Per Share is expected to grow by 9.83% on average over the next years. This is quite good.
  • 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 Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
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.
RGA Yearly Revenue VS EstimatesRGA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
RGA Yearly EPS VS EstimatesRGA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.98 indicates a reasonable valuation of RGA.
  • Based on the Price/Earnings ratio, RGA is valued a bit cheaper than 67.11% of the companies in the same industry.
  • RGA is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.47 indicates a reasonable valuation of RGA.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RGA indicates a somewhat cheap valuation: RGA is cheaper than 63.76% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. RGA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.98
Fwd PE 8.47
RGA Price Earnings VS Forward Price EarningsRGA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RGA is valued cheaply inside the industry as 83.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.98
EV/EBITDA N/A
RGA Per share dataRGA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

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)0.34
EPS Next 2Y7.69%
EPS Next 3Y9.9%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.69%, RGA has a reasonable but not impressive dividend return.
  • RGA's Dividend Yield is comparable with the industry average which is at 2.18.
  • Compared to an average S&P500 Dividend Yield of 1.80, RGA has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.69%

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 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
RGA Yearly Dividends per shareRGA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 27.34% of the earnings are spent on dividend by RGA. This is a low number and 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%
RGA Yearly Income VS Free CF VS DividendRGA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
RGA Dividend Payout.RGA Dividend Payout, showing the Payout Ratio.RGA Dividend Payout.PayoutRetained Earnings

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REINSURANCE GROUP OF AMERICA

NYSE:RGA (2/13/2026, 3:07:54 PM)

220.1

-4.34 (-1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-29
Inst Owners99.74%
Inst Owner Change-2.13%
Ins Owners0.2%
Ins Owner Change1.73%
Market Cap14.41B
Revenue(TTM)23.71B
Net Income(TTM)867.00M
Analysts74.29
Price Target238.17 (8.21%)
Short Float %0.99%
Short Ratio1.58
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
Yearly Dividend3.48
Dividend Growth(5Y)6.13%
DP27.34%
Div Incr Years15
Div Non Decr Years15
Ex-DateN/A
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)-1.43%
PT rev (3m)-1.06%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-2.89%
EPS NY rev (1m)-1.78%
EPS NY rev (3m)-2.85%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector 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)0.34
Graham Number330.59
Profitability
Industry RankSector 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 RankSector 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
WACC7.51%
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 Year9.41%
Revenue Next 2Y7.67%
Revenue Next 3Y9.94%
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%.