RGA · NYSE · STOCK
Reinsurance Group of America (RGA) Stock Analysis
$256.07
52W $178.21 – $258.53
70/100
$16.77B
11.1
0.45
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is RGA Bullish or Bearish?
Bullish.
Innellis AI committee rates Reinsurance Group of America (RGA) Buy with a composite score of 70/100
, based on 5 analysts with 100% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.80 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -15.20 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 98.0% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 11.0 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- EPS growing 98.0% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Price trading above the upper Bollinger Band -- stretched — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
70/100
Agreement
100%
Analysts
5
Conviction
Unanimous
Sector Rank
Top 3%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.0 is inexpensive for the broad market
Growth Analyst
bullish
79
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 98.0% YoY
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Price trading above the upper Bollinger Band -- stretched
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 70.2 to 70.2.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Analyst(s) abstained: Risk Analyst.
Analyst-level changes:
- Risk Analyst abstained (was bullish at 70).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
69.7
Neutral
MACD Histogram
0.607
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$208.79
Resistance
$257.48
Bollinger %B
1.00
Above Upper Band
Price vs Moving Averages
EMA 9
$251.89
Above
EMA 21
$249.74
Above
EMA 50
$244.97
Above
EMA 200
$224.68
Above
Fundamental Analysis
Valuation
100
Growth
95
Profitability
23
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
11.1×
P/B Ratio
1.24×
PEG Ratio
0.11
Dividend Yield
1.47%
52W High
$258.53
52W Low
$178.21
Quality & Growth
ROE
878.1%
ROA
75.5%
Gross Margin
2518.4%
Operating Margin
730.7%
Revenue Growth YoY
—
Debt / Equity
0.42
AI Fundamental Assessment
P/E ratio of 11.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.8%; Return on assets of 0.8%; Net margin of 5.9%; Gross margin of 25.2%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.42; Free cash flow per share is positive (78.67); Most recent quarter beat estimates by 35.1%; 4 consecutive earnings beats; EPS growth accelerating (-10.1% -> +27.5% QoQ); Average YoY EPS growth of 88.3%; Analyst estimates rising over recent quarters
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