Reinsurance Group of America Incorporated (RGA) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Reinsurance Group of America Incorporated (NYSE: RGA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $264.73 (+0.49% 1D, market cap $17.20B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RGA ranks #147 in composite RQD confidence.
Within the Financials sector (Life Insurance), RGA carries a Roarable C+ (69/100 RQD), trailing P/E of 14.6x, gross margin of —, and ROIC of 1.6%. By comparison, CRBG (Corebridge Financial Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC -0.3%, cap $15.73B) and AEG (Aegon Ltd. New York Registry Shares) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $14.94B). Among the 5-stock peer group, GL leads on earnings multiple (10.6x) while GL leads on capital efficiency (24.3% ROIC).
Per RGA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000898174), Reinsurance Group of America Incorporated generated $23.70B in revenue (+7.2% YoY), $1.18B in net income, and $3.02B in free cash flow against $156.59B in total assets and $64.37B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±3.7% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
Capital intensity & 5.9% operating margin leave 11 pts on the table
Even with a 69/100 (C+) score, RGA faces multiple-compression risk if 14.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($254.00) or 200D SMA ($225.42) invalidates the momentum regime and cuts Target Base ($277.83) toward Bear Floor ($216.71).
Reinsurance Group of America Incorporated (RGA) advanced +0.49% to $264.73, trading at 92% of its 52-week range ($179.52 – $272.44). Solid steady margins (2% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Reinsurance Group (RGA) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Mid-cap stocks have the best odds of scaling into $100 billion corporations thanks to their tested business models and large addressable markets. But the many opportunities in front of them attract significant competitio
Does Reinsurance Group (RGA) have what it takes to be a top stock pick for momentum investors? Let's find out.
TD Cowen analyst Andrew Kligerman maintains Reinsurance Group (NYSE:RGA) with a Hold and raises the price target from $235 to $250.
Growth boosts valuation multiples, but it doesn’t always last forever. Companies that cannot maintain it are often penalized with large declines in market value, a lesson ingrained in investors who lost money in tech sto
JP Morgan analyst Pablo Singzon maintains Reinsurance Group (NYSE:RGA) with a Overweight and raises the price target from $293 to $297.
NEW YORK, October 14, 2026--The International Insurance Society (IIS) has announced the finalists for the 2026 RGA Leaders of Tomorrow award.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Wells Fargo analyst Wesley Carmichael maintains Reinsurance Group (NYSE:RGA) with a Overweight and raises the price target from $291 to $292.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RGA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RGA. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Reinsurance Group of America Incorporated (RGA) ranks #147 by composite RQD confidence (69/100, grade C+) and #125 by equity capitalization ($17.20B). Within this direct 5-issuer industry benchmark cohort, GL leads on earnings valuation at 10.6x trailing P/E, while GL leads on capital efficiency and profitability with 24.3% ROIC and — gross margin. GL currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with RGA at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RGA
ACTIVE
Reinsurance Group of America Incorporated | C+ | 69/100 | 14.6x | — | 1.6% | +0.49% | $17.20B | Benchmark Subject |
| CRBG Corebridge Financial Inc. | C | 62/100 | — | — | -0.3% | -1.36% | $15.73B | /crbg-vs-rga → |
| AEG Aegon Ltd. New York Registry Shares | D+ | 53/100 | 32.8x | — | 9.9% | -1.45% | $14.94B | /aeg-vs-rga → |
| GL Globe Life Inc. | B- | 71/100 | 10.6x | — | 24.3% | -0.85% | $12.33B | /gl-vs-rga → |
| PUK Prudential Public Limited Company | D | 50/100 | 32.8x | — | 9.9% | +1.27% | $30.48B | /puk-vs-rga → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Reinsurance Group of America Incorporated (RGA) reported GAAP revenue of $23.70B (+7.2% vs. FY2024 revenue of $22.11B , and +27.6% cumulative change since FY2023) , GAAP net income of $1.18B, operating cash flow of $4.09B, and free cash flow of $3.02B (-63.9% YoY). On the balance sheet, RGA closed FY2025 with $156.59B in total assets against $64.37B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $23.70B | $1.18B | $4.09B | $3.02B | $156.59B | $64.37B |
| FY2024 (FY) | 2024-12-31 | $22.11B | $717.0M | $9.37B | $8.38B | $118.67B | $48.50B |
| FY2023 (FY) | 2023-12-31 | $18.57B | $902.0M | $4.04B | $3.21B | $22.28B | $5.21B |
As of 2026-11-02, Reinsurance Group of America Incorporated (NYSE: RGA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $264.73 (+0.49% 1D, market cap $17.20B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, RGA ranks #147 in composite RQD confidence.
Within the Financials sector (Life Insurance), RGA carries a Roarable C+ (69/100 RQD), trailing P/E of 14.6x, gross margin of —, and ROIC of 1.6%. By comparison, CRBG (Corebridge Financial Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC -0.3%, cap $15.73B) and AEG (Aegon Ltd. New York Registry Shares) posts a D+ grade (53/100 RQD, P/E 32.8x, ROIC 9.9%, cap $14.94B). Among the 5-stock peer group, GL leads on earnings multiple (10.6x) while GL leads on capital efficiency (24.3% ROIC).
Per RGA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000898174), Reinsurance Group of America Incorporated generated $23.70B in revenue (+7.2% YoY), $1.18B in net income, and $3.02B in free cash flow against $156.59B in total assets and $64.37B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
RGA last traded at $264.73 (+0.49% on volume of 430,795 shares), positioning the stock +4.22% above its 50-day simple moving average ($254.00) and +17.44% above its 200-day simple moving average ($225.42). Across its 52-week range of $179.52 to $272.44, RGA sits at the 91.7% percentile with a 14-day RSI of 56.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.7% ($254.93 to $274.53).
Why RGA Stock advanced +0.49% Today — RQD Quant Desk Flash. Solid steady margins (2% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, RGA scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The pillar breakdown is: Fundamental Cash Engine 9/20 (ROIC 1.6%; FCF yield 17.58%); Whale 13F Flow 17/20 (institutional accumulation and options positioning); Insider Conviction 15/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit 13/20 (Beta 1.16; sector sensitivity); and Forensic Balance Sheet 15/20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5).
Read together, the rating shows the strongest support in institutional positioning and balance-sheet quality, and the weakest support in the fundamental cash engine, where the ROIC of 1.6% is the lowest-scoring input. The high FCF yield of 17.58% is a notable contrast to the low ROIC and should be interpreted with caution, since the rating does not reconcile the two in the provided data. The Beta of 1.16 indicates above-market price sensitivity per the market data, which the macro pillar reflects with a moderate score. The verdict's "Watch for Breakout" framing implies the rating is positioned as neutral with upside contingent on a change in the weaker pillars, not as a current recommendation. This is an analytical summary, not personalized financial advice.
Reinsurance Group of America Incorporated is a NYSE-listed issuer in the Financials sector, operating in the Life Insurance industry. Per the profile, the company's market capitalization is $17.2B. Not available in source data for the specific products, customer segments, or revenue model.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $23698.0M | $1394.8M | $1182.0M | N/A | $3024.6M | $4168.0M | $64367.6M |
| FY 2024 | $22107.0M | $846.1M | $717.0M | N/A | $8375.2M | $3326.0M | $48496.1M |
| FY 2023 | $18567.0M | $1064.4M | $902.0M | N/A | $3208.5M | N/A | $5213.6M |
Per the SEC financials, revenue rose from $18567.0M in FY 2023 to $23698.0M in FY 2025, while net income moved from $902.0M to $1182.0M over the same span, with FY 2024 at $717.0M. Per the market data, the operating margin is 6.1%, the net margin is 5%, and ROIC is 1.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, and the Debt/Equity ratio is 0.5. Reported debt rose from $5213.6M in FY 2023 to $64367.6M in FY 2025, a figure that does not reconcile readily with the stated Debt/Equity of 0.5 and is not explained in the source data.
Real-time company headlines, analyst actions, and sector developments for Reinsurance Group of America Incorporated (RGA) • Click "Debate This Headline" to argue it in the Roar Pit below
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Reinsurance Group (RGA) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Mid-cap stocks have the best odds of scaling into $100 billion corporations thanks to their tested business models and large addressable markets. But the many opportunities in front of them attract significant competitio
Does Reinsurance Group (RGA) have what it takes to be a top stock pick for momentum investors? Let's find out.
TD Cowen analyst Andrew Kligerman maintains Reinsurance Group (NYSE:RGA) with a Hold and raises the price target from $235 to $250.
Growth boosts valuation multiples, but it doesn’t always last forever. Companies that cannot maintain it are often penalized with large declines in market value, a lesson ingrained in investors who lost money in tech sto
JP Morgan analyst Pablo Singzon maintains Reinsurance Group (NYSE:RGA) with a Overweight and raises the price target from $293 to $297.
NEW YORK, October 14, 2026--The International Insurance Society (IIS) has announced the finalists for the 2026 RGA Leaders of Tomorrow award.
Welcome to the RGA (Reinsurance Group of America Incorporated) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on RGA, but look at what you are paying: 14.6x trailing P/E with tightening sector spreads. Unless Reinsurance Group of America Incorporated expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on RGA, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $263.45 (52-wk range $179.52 - $272.44), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).