Reinsurance Group of America, I (RGA) Stock Analysis
Breakout setup
Financial Services · Insurance - Reinsurance
Sell if holding. At $209.44, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.8%; Consecutive earnings misses (2).
Reinsurance Group of America underwrites traditional life and health reinsurance and asset-intensive reinsurance globally, with segments spanning U.S. and Latin America, Canada, EMEA, and Asia Pacific. Revenue comes from premium income on mortality, morbidity, and longevity... Read more
Sell if holding. At $209.44, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.8%; Consecutive earnings misses (2). Chart setup: Golden cross, above all MAs, RSI 54, MACD bullish. Score 6.0/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 51d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About Reinsurance Group of America, I
About Reinsurance Group of America, I
Reinsurance Group of America provides traditional life and health reinsurance — covering individual and group life, disability, long-term care, and critical illness — as well as financial solutions including asset-intensive reinsurance, longevity reinsurance, stable value products, pension risk transfer, and capital solutions. Primary U.S. subsidiaries, including RGA Reinsurance Company and RGA Life and Annuity Insurance Company, are domiciled in Missouri and supervised by the Missouri Department of Commerce and Insurance (MDCI) as RGA's group supervisor. A significant portion of net premiums comes from non-U.S. operations spanning Canada, EMEA, Asia Pacific, and Latin America.
RGA earns income by assuming mortality, morbidity, lapse, longevity, and investment risk from ceding companies, receiving premium in return for indemnifying them against claims above retention limits. Traditional reinsurance is written on facultative or automatic treaty bases, with pricing driven by assumptions about mortality trends, lapse rates, and investment returns; deviations generate reserve strengthening charges and income statement volatility. For asset-intensive reinsurance, the company actively co-manages investment portfolios with clients — including funds-withheld structures where the ceding company legally owns the assets — and closed a reinsurance transaction with subsidiaries of Equitable Holdings, Inc. on July 31, 2025. Reserve financing for Regulation XXX statutory requirements relies on retrocession to affiliated captives and third-party reinsurers; if collateral capacity tightens, the company may need to raise additional capital or alter the volume and type of business underwritten.
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Missouri's MDCI acts as RGA's group supervisor and has operated a supervisory college of international regulators since October 2012, which could impose limitations on subsidiary activities if conditions warrant. Use of affiliated captive reinsurers for Regulation XXX reserves is permitted for captives organized before 2016, but arrangements established after 2015 face more restrictive standards; if RGA cannot effectively utilize captives for new business, the company may need to raise capital or alter its business mix. Ratings agencies periodically review capital adequacy, and a downgrade could trigger collateral-posting requirements or give ceding companies the right to terminate certain reinsurance contracts.
See also: Financial Services · Insurance - Reinsurance
From Reinsurance Group of America, I's most recent 10-K filing, extracted June 11, 2026.
Recent developments
updated 2026-06-17Recent Developments — Reinsurance Group of America, I
Latest news
- NEWS Barclays Forecasts Strong Gains for Reinsurance Group of America Stock - National Today — National Today positive
- NEWS Barclays Forecasts Strong Price Appreciation for Reinsurance Group of America (NYSE:RGA) Stock - MarketBeat — MarketBeat positive
- NEWS RGA Earnings Preview: May 7 Report, $6.01 EPS Estimate - Meyka — Meyka neutral
- NEWS Gear Up for Reinsurance Group (RGA) Q1 Earnings: Wall Street Estimates for Key Metrics - Yahoo Finance — Yahoo Finance neutral
- NEWS Reinsurance Group of America (RGA) To Report Earnings Tomorrow: Here Is What To Expect - StockStory — StockStory neutral
Generated 2026-06-17T09:31:49Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicnon-U.S. operations10-K Item 1A: 'A significant portion of our net premiums comes from our operations outside of the U.S.'
- MEDIUMregulatoryMissouri MDCI group supervision10-K Item 1: 'the MDCI, RGA's group supervisor, has organized a supervisory college'
Material Events(8-K, last 90d)
- 2026-05-21Item 5.02LOWAt the 2026 annual meeting on May 20, 2026, shareholders approved an amendment and restatement of the Employee Stock Purchase Plan, increasing authorized shares by 300,000 to a total of 400,000 shares. Routine compensatory arrangement; no officer departure.SEC filing →
- 2026-03-20Item 5.02MEDIUMMark Brooks, EVP and Chief Information Officer (named executive officer), resigned effective April 3, 2026. No successor named and no reason cited.SEC filing →
- 2026-03-19Item 5.02LOWPeter Babej appointed to Board of Directors effective April 1, 2026, for a term ending at the 2026 annual meeting. Former CEO of Citi Asia and Global Head of Financial Institutions at Citigroup. Board size increased to twelve directors.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $209.44, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Thin upside margin: 4.8%; Consecutive earnings misses (2). Chart setup: Golden cross, above all MAs, RSI 54, MACD bullish. Prior stop was $200.32. Score 6.0/10, moderate confidence.
Take-profit target: $219.43 (+4.8% upside). Prior stop was $200.32. Stop-loss: $200.32.
Thin upside margin: 4.8%; Consecutive earnings misses (2).
Reinsurance Group of America, I trades at a P/E of 11.4 (forward 7.2). TrendMatrix value score: 8.4/10. Verdict: Sell.
15 analysts cover RGA with a consensus score of 3.7/5. Average price target: $252.
What does Reinsurance Group of America, I do?Reinsurance Group of America underwrites traditional life and health reinsurance and asset-intensive reinsurance...
Reinsurance Group of America underwrites traditional life and health reinsurance and asset-intensive reinsurance globally, with segments spanning U.S. and Latin America, Canada, EMEA, and Asia Pacific. Revenue comes from premium income on mortality, morbidity, and longevity risks assumed from primary life insurance companies, with a significant portion of net premiums from non-U.S. operations.