Reinsurance Group (RGA) Fair Value & Analysis
Financial Services · US · Market cap $15.8B
Reinsurance Group
RGA · US
Fair value as of: Jul 19, 2026
From 25 valuation models · updated 19 days ago
Share price +2.6% over the past month.
A solid business, currently priced close to our fair value.
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 Jul 19, 2026.
How to read this chart
60‑month range $86.25 – $242.64 · fair‑value band $175.91 – $293.19 · the $236.31 price screens above the $234.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
Reinsurance Group (RGA) currently trades at $236.31, while our model-based Fair Value estimate is $234.55, implying the stock looks roughly 0.7% fairly valued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Reinsurance Group 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 Jul 19, 2026
Our scenario range runs from $175.91 (bear case) to $293.19 (bull case); at $236.31, 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 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 100% fair-value upside, at -1%, RGA screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.
All 25 models by family
Widest divergence: DCF Models ($1,109) versus Dividend Discount ($58.97). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 77
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.
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 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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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is Reinsurance Group Of America (RGA) Undervalued Following Its Capital Flexibility Narrative?
- Reinsurance Group (RGA) Earnings Expected to Grow: Should You Buy?
Peer Group
Insurance - Reinsurance · 28 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
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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| 1MUV2 1MUV2 | €500.40 | €669.36 | +34% |
| Swiss Re AG SREN | CHF 132.60 | CHF 218.88 | +65% |
| Hannover Rück SE HNR1 | €255.00 | €284.58 | +12% |
| Everest Group EG | $364.13 | $522.67 | +44% |
| RenaissanceRe Holdings RNR | $314.99 | $629.98 | +100% |
| SCOR SE SDRC | €33.04 | €66.08 | +100% |
| General Insurance Corporation GICRE | ₹364.85 | ₹715.98 | +96% |
| China Reinsurance (Group) Corporation 1508 | HK$1.37 | HK$2.74 | +100% |
| Hamilton Insurance Group HG | $34.60 | $69.20 | +100% |
| SiriusPoint Ltd SPNT | $24.23 | $48.46 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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