(RGA) Reinsurance of America - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7593516047
Reinsurance, Life, Health, Asset-Intensive, Financial
Dividends
| Dividend Yield | 1.79% |
| Yield on Cost 5y | 3.44% |
| Yield CAGR 5y | 5.59% |
| Payout Consistency | 97.7% |
| Payout Ratio | 22.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.8% |
| Value at Risk 5%th | 39.0% |
| Relative Tail Risk | -0.20% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.04 |
| Alpha | -14.80 |
| CAGR/Max DD | 0.61 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.421 |
| Beta | 0.878 |
| Beta Downside | 1.139 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.11% |
| Mean DD | 7.34% |
| Median DD | 5.27% |
Description: RGA Reinsurance of America October 31, 2025
Reinsurance Group of America (NYSE:RGA) is a global provider of reinsurance and financial solutions, offering a broad suite of life and health insurance products-including term, universal, whole, and group policies-as well as asset-intensive and capital-motivated reinsurance structures.
Beyond underwriting, RGA reinsures mortality, morbidity, lapse, and investment-related risks, and it supplements its core business with technology platforms, consulting, and outsourcing services for insurers worldwide.
The company operates across North America, Latin America, Europe, the Middle East, Africa, and the Asia-Pacific, reflecting a diversified geographic footprint that helps mitigate regional concentration risk.
Key recent metrics: RGA reported 2023 net income of approximately $1.6 billion and a return on equity near 12%, while its combined ratio for life reinsurance stayed below 95%, indicating underwriting profitability. The firm’s earnings are increasingly tied to rising interest rates, which boost investment income on its sizable fixed-income portfolio-a sector-wide driver as insurers seek higher yields after years of low-rate environments.
For a deeper quantitative assessment, you might explore ValueRay’s detailed model on RGA’s risk-adjusted returns.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (867.0m TTM) > 0 and > 6% of Revenue (6% = 1.34b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA -4.31pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -130.2% (prev 37.56%; Δ -167.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 4.84b > Net Income 867.0m (YES >=105%, WARN >=100%) |
| Net Debt (1.11b) to EBITDA (1.61b) ratio: 0.69 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.78 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (66.7m) change vs 12m ago -0.10% (target <= -2.0% for YES) |
| Gross Margin 13.08% (prev 10.47%; Δ 2.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.36% (prev 18.11%; Δ -1.75pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.55 (EBITDA TTM 1.61b / Interest Expense TTM 354.0m) >= 6 (WARN >= 3) |
Altman Z'' -0.89
| (A) -0.19 = (Total Current Assets 104.20b - Total Current Liabilities 133.20b) / Total Assets 152.00b |
| (B) 0.06 = Retained Earnings (Balance) 9.76b / Total Assets 152.00b |
| (C) 0.01 = EBIT TTM 1.25b / Avg Total Assets 136.13b |
| (D) 0.09 = Book Value of Equity 12.31b / Total Liabilities 138.94b |
| Total Rating: -0.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.58
| 1. Piotroski 4.0pt |
| 2. FCF Yield 34.90% |
| 3. FCF Margin 21.73% |
| 4. Debt/Equity 0.44 |
| 5. Debt/Ebitda 0.69 |
| 6. ROIC - WACC (= -1.05)% |
| 7. RoE 7.34% |
| 8. Rev. Trend 89.15% |
| 9. EPS Trend 52.29% |
What is the price of RGA shares?
As of December 14, 2025, the stock is trading at USD 203.37 with a total of 319,610 shares traded.
Over the past week, the price has changed by +5.50%, over one month by +6.88%, over three months by +6.33% and over the past year by -1.95%.
Over the past week, the price has changed by +5.50%, over one month by +6.88%, over three months by +6.33% and over the past year by -1.95%.
Is RGA a buy, sell or hold?
Reinsurance of America has received a consensus analysts rating of 3.90.
Therefore, it is recommended to buy RGA.
- Strong Buy: 3
- Buy: 3
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RGA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 238.1 | 17.1% |
| Analysts Target Price | 238.1 | 17.1% |
| ValueRay Target Price | 230.9 | 13.5% |
RGA Fundamental Data Overview December 11, 2025
Market Cap USD = 12.76b (12.76b USD * 1.0 USD.USD)
P/E Trailing = 14.8706
P/E Forward = 7.5873
P/S = 0.572
P/B = 0.9552
P/EG = 1.57
Beta = 0.553
Revenue TTM = 22.27b USD
EBIT TTM = 1.25b USD
EBITDA TTM = 1.61b USD
Long Term Debt = 5.73b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 5.73b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.11b USD (from netDebt column, last quarter)
Enterprise Value = 13.87b USD (12.76b + Debt 5.73b - CCE 4.62b)
Interest Coverage Ratio = 3.55 (Ebit TTM 1.25b / Interest Expense TTM 354.0m)
FCF Yield = 34.90% (FCF TTM 4.84b / Enterprise Value 13.87b)
FCF Margin = 21.73% (FCF TTM 4.84b / Revenue TTM 22.27b)
Net Margin = 3.89% (Net Income TTM 867.0m / Revenue TTM 22.27b)
Gross Margin = 13.08% ((Revenue TTM 22.27b - Cost of Revenue TTM 19.36b) / Revenue TTM)
Gross Margin QoQ = 12.38% (prev 12.83%)
Tobins Q-Ratio = 0.09 (Enterprise Value 13.87b / Total Assets 152.00b)
Interest Expense / Debt = 1.71% (Interest Expense 98.0m / Debt 5.73b)
Taxrate = 20.31% (65.0m / 320.0m)
NOPAT = 1.00b (EBIT 1.25b * (1 - 20.31%))
Current Ratio = 0.78 (Total Current Assets 104.20b / Total Current Liabilities 133.20b)
Debt / Equity = 0.44 (Debt 5.73b / totalStockholderEquity, last quarter 12.98b)
Debt / EBITDA = 0.69 (Net Debt 1.11b / EBITDA 1.61b)
Debt / FCF = 0.23 (Net Debt 1.11b / FCF TTM 4.84b)
Total Stockholder Equity = 11.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 867.0m / Total Assets 152.00b)
RoE = 7.34% (Net Income TTM 867.0m / Total Stockholder Equity 11.81b)
RoCE = 7.15% (EBIT 1.25b / Capital Employed (Equity 11.81b + L.T.Debt 5.73b))
RoIC = 5.76% (NOPAT 1.00b / Invested Capital 17.37b)
WACC = 6.80% (E(12.76b)/V(18.49b) * Re(9.25%) + D(5.73b)/V(18.49b) * Rd(1.71%) * (1-Tc(0.20)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.01%
[DCF Debug] Terminal Value 77.62% ; FCFE base≈6.51b ; Y1≈8.03b ; Y5≈13.70b
Fair Price DCF = 2844 (DCF Value 186.92b / Shares Outstanding 65.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 52.29 | EPS CAGR: 94.55% | SUE: -0.79 | # QB: 0
Revenue Correlation: 89.15 | Revenue CAGR: 14.43% | SUE: 0.34 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.90 | Chg30d=-0.045 | Revisions Net=-2 | Analysts=7
EPS next Year (2026-12-31): EPS=25.76 | Chg30d=-0.172 | Revisions Net=-1 | Growth EPS=+21.2% | Growth Revenue=+10.8%
P/E Trailing = 14.8706
P/E Forward = 7.5873
P/S = 0.572
P/B = 0.9552
P/EG = 1.57
Beta = 0.553
Revenue TTM = 22.27b USD
EBIT TTM = 1.25b USD
EBITDA TTM = 1.61b USD
Long Term Debt = 5.73b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 5.73b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.11b USD (from netDebt column, last quarter)
Enterprise Value = 13.87b USD (12.76b + Debt 5.73b - CCE 4.62b)
Interest Coverage Ratio = 3.55 (Ebit TTM 1.25b / Interest Expense TTM 354.0m)
FCF Yield = 34.90% (FCF TTM 4.84b / Enterprise Value 13.87b)
FCF Margin = 21.73% (FCF TTM 4.84b / Revenue TTM 22.27b)
Net Margin = 3.89% (Net Income TTM 867.0m / Revenue TTM 22.27b)
Gross Margin = 13.08% ((Revenue TTM 22.27b - Cost of Revenue TTM 19.36b) / Revenue TTM)
Gross Margin QoQ = 12.38% (prev 12.83%)
Tobins Q-Ratio = 0.09 (Enterprise Value 13.87b / Total Assets 152.00b)
Interest Expense / Debt = 1.71% (Interest Expense 98.0m / Debt 5.73b)
Taxrate = 20.31% (65.0m / 320.0m)
NOPAT = 1.00b (EBIT 1.25b * (1 - 20.31%))
Current Ratio = 0.78 (Total Current Assets 104.20b / Total Current Liabilities 133.20b)
Debt / Equity = 0.44 (Debt 5.73b / totalStockholderEquity, last quarter 12.98b)
Debt / EBITDA = 0.69 (Net Debt 1.11b / EBITDA 1.61b)
Debt / FCF = 0.23 (Net Debt 1.11b / FCF TTM 4.84b)
Total Stockholder Equity = 11.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 867.0m / Total Assets 152.00b)
RoE = 7.34% (Net Income TTM 867.0m / Total Stockholder Equity 11.81b)
RoCE = 7.15% (EBIT 1.25b / Capital Employed (Equity 11.81b + L.T.Debt 5.73b))
RoIC = 5.76% (NOPAT 1.00b / Invested Capital 17.37b)
WACC = 6.80% (E(12.76b)/V(18.49b) * Re(9.25%) + D(5.73b)/V(18.49b) * Rd(1.71%) * (1-Tc(0.20)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.01%
[DCF Debug] Terminal Value 77.62% ; FCFE base≈6.51b ; Y1≈8.03b ; Y5≈13.70b
Fair Price DCF = 2844 (DCF Value 186.92b / Shares Outstanding 65.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 52.29 | EPS CAGR: 94.55% | SUE: -0.79 | # QB: 0
Revenue Correlation: 89.15 | Revenue CAGR: 14.43% | SUE: 0.34 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.90 | Chg30d=-0.045 | Revisions Net=-2 | Analysts=7
EPS next Year (2026-12-31): EPS=25.76 | Chg30d=-0.172 | Revisions Net=-1 | Growth EPS=+21.2% | Growth Revenue=+10.8%
Additional Sources for RGA Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle