Reinsurance Group of America, Incorporated (RGA) Stock Analysis
Latest ClaritX AI analysis ·
Reinsurance Group of America, Inc. (RGA) primarily operates within the reinsurance sector. The company delivers a comprehensive portfolio of life and health reinsurance products, spanning both individual and group coverages. These include diverse life insurance options such as term, credit, universal, whole, and joint/last survivor policies, in addition to critical illness, disability, and longevity products. RGA also offers specialized asset-intensive and financial reinsurance, alongside other solutions focused on capital optimization. It further assists clients in managing risks associated with mortality, morbidity, policy lapses, and investment performance. Beyond its core reinsurance off
| Metric | Value |
|---|---|
| Price | $266.75 |
| Market cap | $17.4B |
| Sector | Financial Services |
| Industry | Insurance - Reinsurance |
| ClaritX AI score | 85/100 |
| Price/Book | 1.29 |
| Dividend yield | 1.41% |
| Beta | 0.45 |
AI verdict
Reinsurance Group of America (RGA) stands as an elite asset within the financial sector, offering a rare confluence of deep value, robust growth, and profound balance sheet safety. Trading at $266.75, the stock is currently a microscopic 0.27% away from its 52-week and all-time high of $267.46. While purchasing a stock at its absolute peak can often be precarious, RGA's remarkably low beta of 0.451 completely alters the risk proposition. This low beta indicates defensive, non-volatile behavior; breaking out to all-time highs under these conditions signals intense, fundamentals-driven institutional accumulation rather than transient, euphoric retail speculation. The stock remains substantially undervalued, trading at a mere 11.59x earnings and 3.35x free cash flow, alongside massive upcoming earnings estimates of $29.70 per share for FY2026. The company is capitalizing brilliantly on demographic tailwinds and a favorable higher-for-longer interest rate environment, which has bolstered its investment yields to 6.5%. With a virtually unassailable dividend covered 21 times by free cash flow and a pristine balance sheet, the downside risk is heavily mitigated. While the RSI indicates short-term overbought conditions, the sheer magnitude of RGA's recent earnings beats and the subsequent wave of analyst upgrades suggest the path of least resistance remains definitively higher. RGA is a premier compounder for both value and growth-at-a-reasonable-price investors. Rating 85/100
What this score has been worth
ClaritX scores RGA 85 out of 100, ranking it #9 among stock in the live ClaritX ranking (snapshot 2026-10-21).
Every ClaritX analysis is scored first and judged only on what the stock did afterwards. Across the 202 analyses that scored in the 85-89 band, the average forward return was +2.6% with a 60% win rate, -2.5pp against the S&P 500. That is a measured tendency across many names, not a forecast for RGA — roughly 40% of stocks in this band still lost money.
The full band-by-band table, including the bands that lost, is on the AI Rank Report; the live strategy arms behind it are on the AI Track Record, losses published.