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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2367
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$12.7B
Anna Manning
Reinsurance Group of America, Incorporated engages in reinsurance business. It offers individual and group life and health insurance products. The company also provides reinsurance for mortality, morbidity, lapse, and investment-related risk associated with products.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = RGA ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$RGA REINSURANCE GROUP OF AMERICA INC | 48 | 30 | 40 | 55 | 16.6x | 16.4x | 6.5% | 0.6% | 0.0% | 5.5% | 3.9% | 27.2% | 1.9% | 42.0x | $12.7B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
REINSURANCE GROUP OF AMERICA INC (RGA) receives a "Reduce" rating with a composite score of 47.7/100. It ranks #2367 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for RGA.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 37 | -7DRAG |
| MOMENTUM | 55 | 59 | -4NEUTRAL |
| VALUATION | 40 | 43 | -3NEUTRAL |
| INVESTMENT | 41 | 77 | -36DRAG |
| STABILITY | 45 | 41 | +4NEUTRAL |
| SHORT INT | 68 | 82 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 99.5% vs WACC 8.3% (spread +91.2%)
GM 0% vs sector 78%, OM 6% vs sector 18%
Capital turnover 21.84x
Rev growth 27%, 10yr history
Interest coverage 4.2x, Net debt/EBITDA 0.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate REINSURANCE GROUP OF AMERICA INC (RGA) as a Reduce with a composite score of 47.7/100 at a current price of $218.37. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
REINSURANCE GROUP OF AMERICA INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 47.7/100 places it at rank #2367 in our full universe.
Narrow
Medium
Standard
Fair Value
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
REINSURANCE GROUP OF AMERICA INC represents a reduce based on multi-factor quantitative performance.
REINSURANCE GROUP OF AMERICA INC receives a Reduce rating from our analysis, with a composite score of 47.7/100 and 2 out of 5 stars, ranking #2367 out of 7,333 stocks. RGA's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
RGA's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 6.5% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 3.9% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 40/100, RGA appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 16.62x, an EV/EBITDA of 16.37x, a P/B ratio of 1.08x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 41/100, RGA exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 27.2% vs. a sector average of 10.7% and a return on assets of 0.6% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
RGA demonstrates moderate momentum with a score of 55/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 27.2% year-over-year, while a beta of 0.87 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 45/100, RGA exhibits average financial resilience. Key stability metrics include a beta of 0.87 and a debt-to-equity ratio of 42.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
RGA carries a short interest score of 68/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 42.00x). At $12.7B market cap (large-cap), REINSURANCE GROUP OF AMERICA INC offers reasonable institutional liquidity.
RGA offers a modest dividend yield of 1.9%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
REINSURANCE GROUP OF AMERICA INC is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2367 of 7,333 overall (68th percentile). Key comparisons include ROE of 6.5% trailing the 9.0% sector median and operating margins of 5.5% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While RGA currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 111% ABOVE SECTOR MEDIAN
ROE 28% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Reinsurance Group (RGA) reported strong Q2 2024 earnings, with revenue of $5.15 billion and EPS of $5.48, exceeding analyst estimates. The company's key metrics, including net premiums, other revenues, and net investment income, also showed solid year-over-year growth.
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