# Reinsurance Group of America Incorporated (RGA) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $253.27, market value $16.5 billion.

## Valuation
- **P/E (trailing): 11.1×** (5-yr avg 13.1×, 3-yr avg 14.1×). Reinsurance Group of America Incorporated trades at 11.1× trailing earnings, close to its own five-year average of 13.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.13**. A PEG of 0.13 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.0%**. The inverse of the P/E: 9.0% of the price is earned each year.

## Profitability
- **Net margin: 5.0%**. 5.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.8%**. 8.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.0%**. Each dollar of assets produces 1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.2%** (3-yr 13.5%/yr, 5-yr 10.2%/yr). Revenue grew 7.2% over the last year, against 10.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 64.9%** (3-yr 32.3%/yr, 5-yr 22.9%/yr). Earnings per share rose 64.9%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $4.2 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.55%** ($3.72 per share, trailing). Reinsurance Group of America Incorporated yields 1.55%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 20%**. 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.4%/yr** (1-yr 4.6%). The dividend has grown 5.4% a year over five years.

## Analyst view
- **Analyst consensus: buy** (9 analysts). 9 analysts cover Reinsurance Group of America Incorporated; the consensus is buy, with an average price target of $272.33 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 29.9%** (YTD 25.6%, 3-mo 23.6%). The shares are up 29.9% over twelve months including dividends.
- **From 52-week high: -1.8%** (42.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 65**. An RSI of 65 is neutral.
- **Beta (1 yr): 0.33** (volatility 23%). Beta of 0.33 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RGA · Page: https://foliofundamentals.com/stocks/rga

Not investment advice.