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Reinsurance Group of America, Incorporated RGA NYSE

NYSE • Financial Services • Insurance - Reinsurance • US • USD

SharesGrow Score
72/100
4/7 Pass
SharesGrow Intrinsic Value
$398.62
+93.6%
Analyst Price Target
$238.50
+15.8%
SharesGrow 7-Criteria Score All 7 criteria scored · income-related highlighted on this page

Reinsurance Group of America, Incorporated (RGA) has shown strong revenue growth over the past 3 years, expanding from $16.3B to $22.8B (average +12.1%/yr). Net income reached $1.2B, reflecting exceptional earnings expansion at +39.6%/yr on average. The net profit margin is 5.2%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 25.4% (low), with a -68.4pp trend over the period. With a $13B market cap and MOAT composite score of 48/100, the company has a moderate competitive position.

Criteria proven by this page:

  • GROWTH (90/100, Pass) — proving strong growth momentum
  • PAST (100/100, Pass) — proving consistent earnings. Looking at the full 33-year history, the company was profitable in 33 of 33 years — a perfect long-term track record
  • INCOME (45/100, Partial) — the company is profitable but margin is below 15%
  • MOAT (48/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 72/100 with 4/7 criteria passed.

72/100
SG Score
View full scorecard →
VALUE
87/100
Price-to-Earnings & upside
→ IV page
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FUTURE
58/100
Analyst consensus
→ Forecast
PAST
100/100
4/4 yrs profit
EPS $17.69
Proven by this page
HEALTH
75/100
Debt-to-Equity & liquidity
→ Health
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MOAT
48/100
Score: 48/100
GM 25.4% (-68.4pp)
Proven by this page
GROWTH
90/100
Rev +12.1%/yr
NI +39.6%/yr
Proven by this page
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INCOME
45/100
Margin 5.2%
$22.8B
Proven by this page
Reinsurance Group of America, Incorporated Earnings and Revenue History
Analyst Forecast →
Revenue  Actual & Estimate
Earnings & Profit Margin  Actual & Estimate
Metric TTM FY2025 FY2024 FY2023 FY2022
Revenue $23.38B$22.79B$22B$18.34B$16.26B
Gross Profit $3.07B$5.79B$22.11B$17.48B$15.25B
Gross Margin 13.1%25.4%100.5%95.3%93.8%
Operating Income $1.54B$1.54B$980M$1.42B$909M
Net Income $1.18B$1.18B$717M$902M$517M
Net Margin 5.1%5.2%3.3%4.9%3.2%
EPS (Diluted) $17.72$17.69$10.73$13.44$7.64
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