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 coming off a strong 2025 and a solid first quarter of 2026, with the stock trading near its 52-week high. At the August 3, 2026 data cutoff, RGA closed at $236.85 on July 31, 2026 with a verified market capitalization near $15.52 billion. This page uses scenario ranges and source checks, not a certain stock price prediction, and is for informational use only.
Current price
$236.85
Market cap
$15.52 billion
AI score
74 / 100
Rating
Global life and health reinsurer with a strong 2025 and 2026 start, now near its 52-week high
Trend status
Uptrend above the 50-day and 200-day moving averages with neutral momentum, but near the $245.00 52-week high
Data cutoff (updated monthly)
August 4, 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 delivered strong FY2025 and Q1 2026 results with disciplined capital allocation, but the CFO role transitioned from Axel André to Laura Cockrill in June 2026 and a new board member joined in July 2026. | Medium |
| Financial trend | FY2025 revenue rose to $23.70 billion, net income available to shareholders rose to $1.18 billion, and diluted EPS reached $17.69. Q1 2026 revenue was $6.49 billion and diluted EPS was $4.98. Adjusted operating ROE excluding notable items was 15.7% for FY2025 and 16.2% on a trailing twelve month basis at Q1 2026. | High |
| Valuation | At $236.85, RGA trades near 12.9x trailing earnings and 1.17x book value, below many peers but with the stock near its 52-week high of $245.00. | Medium-high |
| Technical trend | Uptrend with price above the 50-day and 200-day moving averages, the 50-day above the 200-day, but momentum is neutral with RSI near 55.7 and MACD slightly bearish, and resistance near $242.64 to $245.00 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, the August 6 Q2 2026 report, and block transaction assumptions including the Equitable Holdings block. | 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 $236.85 quote and trailing twelve month EPS near $18.40. The audited three-year framework points to a bearish area near $190 to $205, a base area near $265 to $280, and a bullish area near $355 to $375 if the stated EPS growth and valuation assumptions hold.
$355 to $375
More likely if adjusted operating EPS keeps growing near double digits, the Equitable transaction contribution exceeds expectations, investment income stays strong, ROE stays above 15%, and the market keeps a mid-teens earnings multiple.
$265 to $280
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, the CFO transition disrupts execution, ROE compresses, or the market reprices the stock below 11x earnings.
RGA AI technical analysis
RGA AI technical analysis is constructive but not stretched as of the July 31, 2026 data cutoff. The stock closed at $236.85, above its 50-day moving average near $225.40 and its 200-day moving average near $211.20, with the 50-day above the 200-day. RSI is neutral near 55.7, MACD is slightly bearish, six-month support sits near $194.71, and resistance runs from $242.64 to the $245.00 52-week high.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $236.85 | Quote snapshot at the July 31, 2026 close, from Google Finance and stockanalysis.com. |
| Near support | $225.40 | AltIndex listed the 50-day MA near $225.40, the key near-term pivot on pullbacks. |
| Deeper support | $211.20 | AltIndex listed the 200-day MA near $211.20, which defines the longer trend floor. |
| Chart support | $194.71 | AltIndex identified support near $194.71 based on the last six months of closing prices. |
| Near resistance | $242.64 | AltIndex identified six-month resistance near $242.64. |
| Long-term resistance | $245.00 | Google Finance listed the 52-week high near $245.00, set in July 2026. |
| Momentum | RSI 55.7 | AltIndex 14-day RSI was 55.7, neutral, with MACD slightly bearish and STOCH near 45.4, so the rally lacks strong momentum confirmation. |
| Volume | Average 382,080 shares | Google Finance listed 30-day average volume around 382,080 shares; the July 31 session saw about 238,200 shares. |
| Volatility | ATR near $1.7 | AltIndex 14-day ATR near $1.7 implies roughly 0.7% daily moves. |
| Invalidation | Close below $211 | A decisive close below the 200-day moving average would weaken the uptrend thesis and open the path toward chart support near $194.71. |
RGA AI trading strategy
The RGA AI trading strategy is a rules-based research framework for a life and health reinsurer trading near its 52-week high ahead of the August 6, 2026 Q2 report. 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 $225.40 moving average zone, then clear the $242.64 resistance and the $245.00 52-week high 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 the 200-day moving average near $211 or a failed breakout after the August 6 Q2 report should invalidate the trend-following setup.
If RGA pulls back toward the $225 to $211 zone 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, macro, or earnings news.
Track net premiums, adjusted operating income, investment income, claims experience, ROE, in-force transaction contributions, capital deployment, buyback execution, and the Q2 2026 report on August 6.
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 such as the Equitable Holdings block underperforms, catastrophic claims emerge, or regulators raise capital requirements.
CEO Tony Cheng is an actuary with regional leadership experience. Laura Cockrill became CFO in June 2026 after Axel André resigned, and former Aviva Group CEO Maurice Tulloch joined the board in July 2026, so leadership is stable at the top but transitioning at the CFO level.
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 12.9x trailing earnings and 1.17x book value, RGA does not look expensive, but the stock is near its 52-week high of $245.00. Margin of safety improves if the price revisits the moving average support zone 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 | $236.85 | Google Finance quote snapshot | July 31, 2026 |
| Market capitalization | $15.52 billion, verified as $236.85 x 65.51 million shares | financial_rigor.py market cap verification | July 31, 2026 |
| Shares outstanding | 65.51 million | Google Finance / stockanalysis.com (65.46 million per Q1 2026 10-Q) | July 31, 2026 |
| TTM EPS and P/E | TTM EPS $18.40, P/E 12.87x | stockanalysis.com (S&P Global Market Intelligence) | July 31, 2026 |
| FY2025 total revenues | $23.70 billion | SEC 10-K filed February 20, 2026 | February 20, 2026 |
| FY2025 net income available to RGA shareholders | $1.18 billion ($17.69 per diluted share) | SEC 10-K filed February 20, 2026 | February 20, 2026 |
| Q1 2026 results | $6.49 billion revenue, $330 million net income, $4.98 diluted EPS | RGA Q1 2026 press release (8-K filed May 7, 2026) | May 7, 2026 |
| Adjusted operating results | FY2025 $22.72 diluted EPS and 15.7% adjusted operating ROE excluding notable items; Q1 2026 $6.97 diluted EPS and 16.2% on a trailing twelve month basis | RGA earnings press releases | May 7, 2026 |
| Book value per share | $202.93 as of March 31, 2026 | RGA Q1 2026 press release | May 7, 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 filed May 8, 2026 | May 8, 2026 |
| 52-week high / low | $245.00 / $165.52 | Google Finance quote snapshot | July 31, 2026 |
| Technical snapshot | 50-day MA near $225.40, 200-day MA near $211.20, RSI 55.7, ATR near $1.7, support $194.71, resistance $242.64 | AltIndex technical analysis | July 31, 2026 |
| Analyst view | 6 Buy, 3 Hold, 0 Sell among 9 analysts; average 12-month target near $260 | Google Finance analyst ratings | July 22, 2026 |
| Equitable Holdings transaction | $32 billion in-force reinsurance transaction closed July 31, 2025 | RGA press release | July 31, 2025 |
| CFO transition | Laura Cockrill appointed EVP and CFO effective June 22, 2026; predecessor Axel André resigned effective July 17, 2026 | SEC 8-K filed June 22, 2026 | June 22, 2026 |
| Management | Tony Cheng, President and CEO since January 2024 | RGA executive leadership | July 31, 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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