RGA · NYSE · STOCK
Reinsurance Group of America (RGA) Stock Analysis
$243.20
52W $178.21 – $251.00
68/100
$15.93B
10.6
0.46
Is RGA Bullish or Bearish?
Bullish.
Innellis AI committee rates Reinsurance Group of America (RGA) Buy with a composite score of 68/100
, based on 5 analysts with 80% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.17 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 — -12.83 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 primary driver is eps growing 55.9% yoy. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 13.2 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- EPS growing 55.9% 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
- MACD histogram negative -- bearish momentum — 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 August 23, 2026
Overall Committee Score
68/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 10%
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 13.2 is inexpensive for the broad market
Growth Analyst
bullish
79
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 55.9% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
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
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 67.8 to 67.8.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
51.1
Neutral
MACD Histogram
-0.841
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.58
Inside Bands
Price vs Moving Averages
EMA 9
$243.64
Below
EMA 21
$241.08
Above
EMA 50
$232.74
Above
EMA 200
$214.94
Above
Fundamental Analysis
Valuation
100
Growth
95
Profitability
23
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
10.6×
P/B Ratio
1.17×
PEG Ratio
0.11
Dividend Yield
1.55%
52W High
$251.00
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 10.6 (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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