RGA

Reinsurance Group of America, Incorporated

Financial Services · USD

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264.73 USD +1.28 +0.49%
As of Oct 30, 2026 Extended hours 264.73 0.00%
Bid
264.13 × 100
Ask
264.83 × 100
262.30 Day range 264.97
181.54 52-week range 272.05
YTD
+30.11%
1 year
+40.07%
Open
266.17
Prev close
263.45
Mkt cap
17.29B
Vol
430.74K
Avg vol
376.04K
EPS
22.71
P/E
11.66
Div yield
1.49%
More statistics
Low
262.30
High
264.97
Forward P/E
8.83
Beta
0.45
Short ratio
2.41
Inst. own
104.51%
Dividend
3.92
Ex-div date
Aug 17, 2026
Earnings
Nov 5, 2026
50-d avg
252.80
200-d avg
224.40
1y target
279.78

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RGA five-day price chart259.3262.1264.9267.8270.6Oct 23Oct 26Oct 27Oct 28Oct 29

Financial health

Altman Z-Score

0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 11.3×
FY 2016: 11.5×FY 2017: 5.5×FY 2018: 12.5×FY 2019: 11.7×FY 2020: 18.3×FY 2021: 12.0×FY 2022: 18.4×FY 2023: 11.9×FY 2024: 19.6×FY 2025: 11.3×
FY 2016 5y median 12.0× FY 2025
P/S 0.6×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/B 1.0×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 1.1×FY 2019: 0.9×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
P/FCF 3.3×
FY 2016: 5.7×FY 2017: 5.2×FY 2018: 5.8×FY 2019: 4.5×FY 2020: 2.3×FY 2021: 1.8×FY 2022: 7.3×FY 2023: 2.7×FY 2024: 1.5×FY 2025: 3.3×
FY 2016 5y median 2.7× FY 2025
EV/EBITDA 7.7×
FY 2016: 9.0×FY 2017: 9.2×FY 2018: 10.1×FY 2019: 9.1×FY 2020: 10.5×FY 2021: 5.3×FY 2022: 11.2×FY 2023: 8.4×FY 2024: 11.9×FY 2025: 7.7×
FY 2016 5y median 8.4× FY 2025
EV/Sales 0.7×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
FCF Yield 30.4%
FY 2016: 17.6%FY 2017: 19.3%FY 2018: 17.4%FY 2019: 22.2%FY 2020: 43.5%FY 2021: 56.1%FY 2022: 13.7%FY 2023: 37.3%FY 2024: 66.7%FY 2025: 30.4%
FY 2016 5y median 37.3% FY 2025

Profitability

Gross Margin 25.4%
FY 2016: 16.1%FY 2017: 16.2%FY 2018: 14.0%FY 2019: 14.8%FY 2020: 10.6%FY 2021: 11.5%FY 2022: 9.9%FY 2023: 12.7%FY 2024: 11.3%FY 2025: 25.4%
FY 2016 5y median 11.5% FY 2025
Operating Margin 6.8%
FY 2016: 9.1%FY 2017: 9.1%FY 2018: 6.6%FY 2019: 8.0%FY 2020: 3.8%FY 2021: 8.6%FY 2022: 4.5%FY 2023: 6.3%FY 2024: 4.4%FY 2025: 6.8%
FY 2016 5y median 6.3% FY 2025
Net Margin 5.2%
FY 2016: 6.1%FY 2017: 14.6%FY 2018: 5.6%FY 2019: 6.1%FY 2020: 2.8%FY 2021: 7.3%FY 2022: 3.3%FY 2023: 4.9%FY 2024: 3.3%FY 2025: 5.2%
FY 2016 5y median 4.9% FY 2025
ROE 8.8%
FY 2016: 9.9%FY 2017: 19.0%FY 2018: 8.5%FY 2019: 7.5%FY 2020: 2.9%FY 2021: 9.0%FY 2022: 7.3%FY 2023: 9.9%FY 2024: 6.6%FY 2025: 8.8%
FY 2016 5y median 8.8% FY 2025
ROIC 0.8%
FY 2016: 1.3%FY 2017: 1.9%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.5%FY 2021: 1.3%FY 2022: 0.6%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025
ROA 0.8%
FY 2016: 1.3%FY 2017: 3.0%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.5%FY 2021: 1.3%FY 2022: 0.6%FY 2023: 0.9%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 3.4%
FY 2016: 10.6%FY 2017: 8.6%FY 2018: 2.9%FY 2019: 10.3%FY 2020: 2.7%FY 2021: 10.1%FY 2022: -1.1%FY 2023: 15.8%FY 2024: 19.9%FY 2025: 3.4%
FY 2016 FY 2025
Operating Income 57.1%
FY 2016: 40.2%FY 2017: 9.5%FY 2018: -26.0%FY 2019: 33.8%FY 2020: -51.1%FY 2021: 150.5%FY 2022: -48.2%FY 2023: 61.6%FY 2024: -15.5%FY 2025: 57.1%
FY 2016 FY 2025
EPS (diluted) 64.9%
FY 2016: 44.6%FY 2017: 156.8%FY 2018: -60.3%FY 2019: 23.8%FY 2020: -53.7%FY 2021: 43.3%FY 2022: -15.5%FY 2023: 75.9%FY 2024: -20.2%FY 2025: 64.9%
FY 2016 FY 2025
Free Cash Flow -56.3%
FY 2016: -31.2%FY 2017: 36.4%FY 2018: -19.9%FY 2019: 46.4%FY 2020: 44.9%FY 2021: 26.4%FY 2022: -68.3%FY 2023: 206.8%FY 2024: 131.7%FY 2025: -56.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.4×
FY 2016: 0.6×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 0.8×
FY 2016: 2.3×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.3×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 4.2×
FY 2016: 7.6×FY 2017: 7.8×FY 2018: 5.8×FY 2019: 6.5×FY 2020: 3.3×FY 2021: 10.0×FY 2022: 3.8×FY 2023: 4.5×FY 2024: 3.2×FY 2025: 4.2×
FY 2016 5y median 4.2× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 1.2%FY 2017: 1.2%FY 2018: 1.6%FY 2019: 1.6%FY 2020: 2.4%FY 2021: 2.6%FY 2022: 2.1%FY 2023: 2.0%FY 2024: 1.6%FY 2025: 1.8%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 20.3%
FY 2016: 14.3%FY 2017: 6.4%FY 2018: 19.6%FY 2019: 18.7%FY 2020: 43.9%FY 2021: 16.6%FY 2022: 39.7%FY 2023: 24.3%FY 2024: 31.9%FY 2025: 20.3%
FY 2016 5y median 24.3% FY 2025

Annual · latest fiscal year ends 2025-12-31