Reinsurance Group of America Inc (RZB) Fair Value & Analysis
Financials · US · Market cap $8.9B · ISIN US7593518027
What is Reinsurance Group of America Inc really worth?
Reinsurance Group of America Inc
RZB · US
A solid business, trading 42% below our fair value of $43.96.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 22 days ago
Share price +1.8% 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 is below even our cautious bear case ($33.27). The market is more pessimistic than our downside scenario.
- Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 13, 2026.
How to read this chart
60‑month range $18.42 – $25.34 · fair‑value band $33.27 – $54.95 · the $25.34 price screens below the $43.96 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Reinsurance Group of America Inc (RZB) currently trades at $25.34, while our model-based Fair Value estimate is $43.96, implying the stock looks roughly 42.4% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financials sector. Bull case: the Multiples group reads highest at a median of $43.96 per share, and 4 of the 4 models we run sit above the $25.34 price. Bear case: the Asset-Based group reads lowest at $25.80, and 0 of the 4 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Reinsurance Group of America Inc 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 13, 2026
Our scenario range runs from $33.27 (bear case) to $54.95 (bull case); at $25.34, the current price sits below 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 10% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financials peers we cover trades at 27% fair-value upside, at 73%, RZB screens cheaper 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 $1.63 per share, which is 3.7 % 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 4 models by family
Widest divergence: Multiples ($43.96) versus Asset-Based ($25.80). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 69
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 Inc reported revenue of $23.7B in FY2025 versus $16.7B in FY2021, a compound +9.2%/yr. Reported net income was $1.2B in FY2025, compounding +17.6%/yr from FY2021.
of which total revenue +7.8 % · buybacks/dilution +0.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
Watch RZB: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Will Stronger Q2 Results and Higher Payouts Change Reinsurance Group of America's (RGA) Narrative
- Reinsurance Group of America Inc (RGA) (Q2 2026) Earnings Call Highlights: Record Operating ...
- Reinsurance Group (RGA) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
- Reinsurance Group (RGA) Q2 Earnings and Revenues Top Estimates
Peer Group
Financials · 3318 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Reinsurance” was too small, so the broader sector is used.)
Valuation Multiples vs Financials 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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Reinsurance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Oxbridge Re Holdings OXBRW | $0.0826 | $0.1027 | +24% |
| Ping An Insurance (Group) Company 82318 | HK$48.18 | HK$61.00 | +27% |
| AIA Group 81299 | HK$62.10 | HK$6.45 | −90% |
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| CGABL CGABL | $16.15 | $10.52 | −35% |
| American Financial Group AFGE | $16.12 | $13.69 | −15% |
| AIZN AIZN | $18.44 | $22.31 | +21% |
| MGRB MGRB | $16.13 | $23.73 | +47% |
| Unum Group UNMA | $21.65 | $37.34 | +73% |
| Affiliated Managers Group MGR | $19.72 | $35.70 | +81% |
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