Reinsurance Group of America, Incorporated research snapshot
RGA AI stock analysis currently reads Reinsurance Group of America as a leading global life and health reinsurer with a strong 2025, disciplined capital allocation, and a stock near its 52-week high. At the July 10, 2026 data cutoff, RGA traded near $231.16 with a verified market capitalization around $15.14 billion. This page uses scenario ranges and source checks, not a certain stock price prediction, and is for informational use only.
Current price
$231.16
Market cap
$15.14 billion
AI score
72 / 100
Rating
Global life and health reinsurer with strong returns, now near 52-week highs
Trend status
Uptrend above key moving averages, but RSI is overbought near the 52-week high
Data cutoff (updated weekly)
July 10, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | RGA is a leading global life and health reinsurer with diversified regional operations, long-duration liabilities, and recurring economics from large in-force blocks. | High |
| Moat | Moat comes from decades of mortality and morbidity data, underwriting expertise, global scale, long client relationships, and the ability to execute large block transactions. The moat is moderate because pricing is competitive and contracts renew. | Medium-high |
| Management | CEO Tony Cheng has deep actuarial and regional experience. The team has focused on disciplined underwriting, in-force transactions, and shareholder returns, but several senior roles have changed in the past year. | Medium |
| Financial trend | FY2025 revenue rose to $23.70 billion, net income available to shareholders rose to $1.18 billion, and adjusted operating ROE excluding notable items reached 15.7%. Q1 2026 results also beat prior-year levels. | High |
| Valuation | At $231.16, RGA trades near 12.5x TTM earnings and 1.14x book value, below many peers but with the stock near 52-week highs. | Medium-high |
| Technical trend | Strong uptrend with price above the 50-day and 200-day moving averages, the 50-day above the 200-day, but RSI is overbought and the 52-week high is close. | Medium |
| Risk level | Main risks include mortality and morbidity volatility, interest rate and investment portfolio swings, longevity risk, catastrophe events, regulatory changes, currency exposure, and block transaction assumptions. | Medium-high |
| AI confidence | High for descriptive facts and audited calculations, medium for forward scenarios and chart levels. | High data confidence |
| Investment certainty | Medium certainty. The page frames scenarios and monitoring rules, not a buy or sell instruction. | Medium |
RGA AI stock forecast
The RGA AI stock forecast uses scenario math around the $231.16 quote and trailing twelve month EPS near $18.46. The audited three-year framework points to a bearish area near $190 to $205, a base area near $255 to $270, and a bullish area near $330 to $350 if the stated EPS growth and valuation assumptions hold.
$330 to $350
More likely if adjusted operating EPS keeps growing near double digits, the Equitable transaction contribution exceeds expectations, investment income stays strong, ROE stays above 13%, and the market keeps a mid-teens earnings multiple.
$255 to $270
More likely if RGA compounds EPS around mid single digits, continues disciplined capital deployment, and investors value the company around a low-teens earnings multiple.
$190 to $205
More likely if claims experience deteriorates, investment income falls, the Equitable transaction drags, ROE compresses, or the market reprices the stock below 11x earnings.
RGA AI technical analysis
RGA AI technical analysis is bullish but stretched as of the July 10, 2026 data cutoff. The stock is above its 50-day and 200-day moving averages, the 50-day is above the 200-day, and RSI is above 70. Short-term support sits near $210 to $212, the 200-day area is near $207, and the 52-week high near $232.75 is the upper reference.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $231.16 | Quote snapshot at the July 10, 2026 close, from Google Finance. |
| Near support | $210.90 to $212 | AltIndex listed the 50-day MA near $210.90 and ChartMill identified a support zone near $211.76. |
| Deeper support | $206 to $207 | AltIndex 200-day MA near $207.20 and Trendlyne SMA200 near $201.90 define the longer trend floor. |
| Near resistance | $225.37 to $231.72 | ChartMill listed a resistance zone near $225.37 and the July 10 intraday high was $231.72. |
| Long-term resistance | $232.75 | Google Finance listed the 52-week high near $232.75. |
| Momentum | RSI 75.2 | AltIndex 14-day RSI was 75.2, which is overbought and warrants watch for a pullback or consolidation. |
| Volume | Average 378,990 shares | Google Finance listed 30-day average volume around 378,990 shares, useful for judging breakout quality. |
| Volatility | ATR near $1.9 | AltIndex 14-day ATR near $1.9 implies roughly 0.8% daily moves. |
| Invalidation | Close below $205 | A decisive close below the 200-day and chart support zone would weaken the near-term uptrend thesis. |
RGA AI trading strategy
The RGA AI trading strategy is a rules-based research framework for a life and health reinsurer after a strong run. It is not personal advice and should be paired with fresh chart data, filings, position sizing, and a defined invalidation level.
Watch for RGA to hold above the $210 to $212 moving average zone, then clear $232.75 on volume above average. A sustained move toward the base-case forecast area would require follow-through in earnings and capital deployment.
A close below $205 or a failed breakout after the next earnings update should invalidate the trend-following setup.
If RGA pulls back toward the $210 to $212 area without a negative claims or investment income reset, compare price action with the broader insurance and reinsurance group before assuming support is durable.
Do not average down without a maximum loss rule because reinsurance stocks can gap on claims, mortality, rate, or macro news.
Track net premiums, adjusted operating income, investment income, claims experience, ROE, in-force transaction contributions, capital deployment, and buyback execution.
Reduce confidence if EPS growth depends mainly on investment income or one-time block gains rather than underwriting margin, recurring investment income, and cash conversion.
Investment research summary
RGA helps life and health insurers around the world manage mortality, morbidity, longevity, and capital risk. Clients pay because RGA can absorb large, long-duration liabilities and provide underwriting, pricing, and capital relief that primary insurers cannot easily replicate at scale.
Moat is moderate. Decades of mortality and morbidity data, global relationships, underwriting expertise, and the ability to execute multi-billion dollar block transactions make it hard for new entrants to compete. But reinsurance pricing is competitive, barriers are partly capital-based, and clients can place business with other global reinsurers.
The thesis fails if mortality or morbidity assumptions are wrong, investment income collapses, interest rates move adversely, a large block transaction underperforms, catastrophic claims emerge, or regulators raise capital requirements.
CEO Tony Cheng is an actuary with regional leadership experience across Asia, EMEA, and the Americas. The management team has focused on in-force transactions, disciplined underwriting, and shareholder returns, but the CFO and other senior roles have changed in the past year.
RGA sits inside long-duration demand for life and health reinsurance, aging populations, pension risk transfer growth, and mortality risk management. The business also depends on interest rates, capital markets, and regulatory treatment of long-duration insurance liabilities.
At roughly 12.5x TTM earnings and 1.14x book value, RGA does not look expensive, but the stock is near its 52-week high. Margin of safety improves if the price revisits support while adjusted operating earnings, ROE, and book value growth stay intact.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| RGA price | $231.16 | Google Finance quote snapshot | July 10, 2026 |
| Market capitalization | $15.14 billion, verified as $231.16 x 65.5 million shares | financial_rigor.py market cap verification | July 10, 2026 |
| Shares outstanding | 65.5 million | SEC 10-K / 10-Q share reconciliation | July 10, 2026 |
| FY2025 total revenues | $23.70 billion | SEC 10-K / RGA annual review | July 10, 2026 |
| FY2025 net income available to RGA shareholders | $1.18 billion ($17.69 per diluted share) | SEC 10-K | July 10, 2026 |
| Q1 2026 results | $6.49 billion revenue, $330 million net income, $4.98 diluted EPS | RGA Q1 2026 8-K / 10-Q filing | July 10, 2026 |
| TTM diluted EPS | $18.46 | SEC quarterly financial statements | July 10, 2026 |
| P/E and P/B ratios | 12.5x TTM P/E and 1.14x P/B | financial_rigor.py valuation verification | July 10, 2026 |
| Cash and long-term debt | $4.99 billion cash and $6.11 billion long-term debt as of March 31, 2026 | SEC 10-Q balance sheet | July 10, 2026 |
| 52-week high / low | $232.75 / $165.52 | Google Finance quote snapshot | July 10, 2026 |
| Technical snapshot | 50-day MA near $210.90, 200-day MA near $207.20, RSI 75.2, ATR near $1.9 | AltIndex technical analysis | July 10, 2026 |
| Equitable Holdings transaction | $32 billion in-force reinsurance transaction closed July 31, 2025 | RGA press release | July 10, 2026 |
| Management | Tony Cheng, President and CEO since January 2024 | RGA executive leadership | July 10, 2026 |
This page is an informational research tool only and is not investment advice, financial advice, or a recommendation to buy or sell RGA stock. Forecast scenarios are based on available public data, technical snapshots, and stated assumptions as of the data cutoff date and may be wrong. Always verify current filings, prices, risks, and personal suitability before making financial decisions.
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