Reinsurance Group of America (RGA) Fair Value & Analysis
Financial Services · US · Market cap $15.8B · ISIN US7593516047
What is Reinsurance Group of America really worth?
Reinsurance Group of America
RGA · US
Below-average quality, currently priced close to our fair value of $261.04.
Strengths
Risks
For context
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 6 days ago
Share price +8.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 29, 2026.
How to read this chart
60‑month range $86.25 – $255.91 · fair‑value band $195.78 – $326.30 · the $255.91 price screens below the $261.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 29, 2026.
Analysis
Reinsurance Group of America (RGA) currently trades at $255.91, while our model-based Fair Value estimate is $261.04, implying the stock looks roughly 2.0% fairly valued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $234.55 per share, and 1 of the 6 models we run sit above the $255.91 price. Bear case: the Dividend Discount group reads lowest at $58.97, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Reinsurance Group of America generated revenue of $24.9B at a net margin of 4.9%. Revenue grew 23.5% year over year. It earns a return on equity of 9.9%. Net debt stands at $1.5B. Fundamentals as of Aug 29, 2026
Our scenario range runs from $195.78 (bear case) to $326.30 (bull case); at $255.91, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 57% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 55% fair-value upside, at 2%, RGA screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $10.00 per share, which is 3.8 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($234.55) versus Dividend Discount ($58.97). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Reinsurance Group of America, Incorporated provides life and health, and asset-intensive reinsurance in the United States, Latin America, Canada, Europe, the Middle East, Africa, Asia, and Australia.
Full company description
Reinsurance Group of America, Incorporated provides life and health, and asset-intensive reinsurance in the United States, Latin America, Canada, Europe, the Middle East, Africa, Asia, and Australia. It offers individual and group life and health, disability, long-term care, and critical illness reinsurance; and financial solutions, such as asset-intensive reinsurance, longevity reinsurance, stable value products, pension risk transfer transactions, and capital solutions. The company also provides reinsurance for mortality, morbidity, lapse, and investment-related risks; coinsurance of payout annuities; underwritten annuities; funding agreement backed note program and other capital motivated solutions; and superannuation. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Reinsurance Group of America reported revenue of $22.8B in FY2025 versus $16.7B in FY2021, a compound +8.2%/yr. Reported net income was $1.2B in FY2025, compounding +17.6%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Sun Life-Wilton Re Team Up to Expand Reinsurance, Asset Management
- Is Reinsurance Group of America (RGA) Stock Undervalued Right Now?
- Zacks Industry Outlook Aviva, Reinsurance, Primerica, Voya and Lincoln National
Peer Group
Insurance - Reinsurance · 29 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Aug 29, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| MUV2 MUV2 | €518.00 | €460.14 | −11% |
| Swiss Re AG SREN | CHF 141.15 | CHF 137.55 | −3% |
| Hannover Rück SE HNR1 | €258.20 | €216.20 | −16% |
| Everest Group EG | $370.06 | $507.47 | +37% |
| RenaissanceRe Holdings RNR | $330.41 | $563.91 | +71% |
| SCOR SE SDRC | €34.14 | €66.75 | +96% |
| General Insurance Corporation GICRE | ₹355.85 | ₹594.47 | +67% |
| China Reinsurance (Group) Corporation 1508 | HK$1.22 | HK$2.43 | +100% |
| Hamilton Insurance Group HG | $35.35 | $54.04 | +53% |
| SiriusPoint Ltd SPNT | $23.98 | $37.12 | +55% |
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