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Upturn AI SWOT - About
RGA 
Reinsurance Group of America (RGA)
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Upturn Advisory Summary
04/01/2025: RGA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.21% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.09B USD | Price to earnings Ratio 18.48 | 1Y Target Price 251.36 |
Price to earnings Ratio 18.48 | 1Y Target Price 251.36 | ||
Volume (30-day avg) 482492 | Beta 0.9 | 52 Weeks Range 175.84 - 232.77 | Updated Date 04/1/2025 |
52 Weeks Range 175.84 - 232.77 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.81% | Basic EPS (TTM) 10.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.24% | Operating Margin (TTM) 5.93% |
Management Effectiveness
Return on Assets (TTM) 0.74% | Return on Equity (TTM) 7.21% |
Valuation
Trailing PE 18.48 | Forward PE 8.24 | Enterprise Value 14533666816 | Price to Sales(TTM) 0.59 |
Enterprise Value 14533666816 | Price to Sales(TTM) 0.59 | ||
Enterprise Value to Revenue 0.67 | Enterprise Value to EBITDA - | Shares Outstanding 66024400 | Shares Floating 65628958 |
Shares Outstanding 66024400 | Shares Floating 65628958 | ||
Percent Insiders 0.44 | Percent Institutions 99.34 |
Analyst Ratings
Rating 4.17 | Target Price 255.25 | Buy 4 | Strong Buy 5 |
Buy 4 | Strong Buy 5 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Reinsurance Group of America
Company Overview
History and Background
Reinsurance Group of America (RGA) was founded in 1973 as a subsidiary of General American Life Insurance Company. It was spun off as an independent, publicly traded company in 1993. RGA has grown to become one of the largest global life and health reinsurance companies.
Core Business Areas
- Individual Life Reinsurance: Provides reinsurance solutions for individual life insurance policies, covering mortality, morbidity, and longevity risks.
- Group Life and Health Reinsurance: Offers reinsurance for group life and health insurance plans, including medical, disability, and dental coverage.
- Financial Solutions: Provides reinsurance solutions that help clients manage capital and enhance financial performance, including asset-intensive reinsurance and other structured transactions.
- Corporate and Other: Includes investment income, expenses, and other activities not directly related to the core reinsurance business.
Leadership and Structure
Anna Manning serves as the President and Chief Executive Officer. RGA operates with a global structure, with regional business units and centralized corporate functions.
Top Products and Market Share
Key Offerings
- Individual Life Reinsurance: This is RGA's core offering. RGA is among the top three life reinsurers globally. Competitors include Swiss Re, Munich Re, and Canada Life Reinsurance. Market share data specific to individual life reinsurance is difficult to obtain.
- Group Life and Health Reinsurance: RGA provides reinsurance for group life and health products. Competitors include the same major reinsurance players, along with smaller, regional reinsurers. Specific market share data is not readily available.
- Financial Solutions: RGA offers reinsurance solutions that help clients manage capital and enhance financial performance. Competitors include the same major reinsurance players.
Market Dynamics
Industry Overview
The reinsurance industry is characterized by intense competition, increasing regulatory scrutiny, and evolving risk landscapes (e.g., longevity risk, cyber risk). Demand for reinsurance is driven by the need for primary insurers to manage risk, optimize capital, and expand their business.
Positioning
RGA is one of the leading global life and health reinsurers, known for its technical expertise, strong relationships with clients, and global reach. Its competitive advantage lies in its scale, breadth of product offerings, and ability to provide customized solutions.
Total Addressable Market (TAM)
The global reinsurance market is estimated to be around $300 billion. RGA is well-positioned to capture a significant share of this market due to its global presence and comprehensive product portfolio.
Upturn SWOT Analysis
Strengths
- Global presence
- Strong capital position
- Diversified product portfolio
- Technical expertise and underwriting capabilities
- Established relationships with clients
Weaknesses
- Exposure to mortality and morbidity risks
- Dependence on economic conditions
- Competitive pressures in the reinsurance market
- Potential for large losses from catastrophic events
Opportunities
- Growing demand for reinsurance in emerging markets
- Increasing complexity of risks
- Development of new reinsurance products and services
- Strategic acquisitions and partnerships
Threats
- Intense competition from other reinsurers
- Changes in regulatory requirements
- Economic downturns
- Adverse claims experience
- Low interest rate environment
Competitors and Market Share
Key Competitors
- Swiss Re (SREN.SW)
- Munich Re (MUV2.DE)
- Canada Life Reinsurance (GWO.TO)
Competitive Landscape
RGA benefits from a solid business model, strong financials, and a global reach. However, competition remains intense, and RGA must innovate to maintain its position. Its scale and expertise offer advantages, but regulatory changes and economic volatility pose ongoing challenges.
Major Acquisitions
Aurora National Life Assurance Company
- Year: 2017
- Acquisition Price (USD millions): 255
- Strategic Rationale: Expand its in-force business and leverage RGA's expertise in managing closed blocks of insurance policies.
Growth Trajectory and Initiatives
Historical Growth: Discuss Reinsurance Group of America's growth trends over the past years.
Future Projections: Provide projections for Reinsurance Group of America's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Reinsurance Group of America.
Summary
RGA is a strong global player in the life and health reinsurance market, backed by its technical expertise, broad product range, and global reach. The company faces headwinds from intense competition and regulatory changes, but its strong capital position and diversified operations give it resilience. Growing demand in emerging markets and new product development offer opportunities for expansion, but managing risks and economic volatility remains critical. RGA needs to constantly innovate to remain competitive.
Similar Companies
- SREN.SW
- MUV2.DE
- GWO.TO
Sources and Disclaimers
Data Sources:
- Company Website
- Financial Reports
- Industry Analysis Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are estimates and may vary. Investment decisions should be based on individual circumstances and the advice of a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Reinsurance Group of America
Exchange NYSE | Headquaters Chesterfield, MO, United States | ||
IPO Launch date 1993-05-04 | President, CEO & Director Mr. Tony Cheng F.S.A. | ||
Sector Financial Services | Industry Insurance - Reinsurance | Full time employees 4100 | Website https://www.rgare.com |
Full time employees 4100 | Website https://www.rgare.com | ||
Reinsurance Group of America, Incorporated provides reinsurance and financial solutions. It offers individual and group life and health insurance products, such as term life, credit life, universal life, whole life, group life and health, joint and last survivor insurance, critical illness, disability, and longevity products, as well as asset-intensive and financial reinsurance products; and other capital motivated solutions. The company also provides reinsurance for mortality, morbidity, lapse, and investment-related risk associated with products; and reinsurance for investment-related risks. In addition, the company develops and markets technology solutions; and offers consulting and outsourcing solutions for the insurance and reinsurance industries. It operates in the United States, Latin America, Canada, Europe, the Middle East, Africa, and the Asia Pacific. Reinsurance Group of America, Incorporated was founded in 1973 and is headquartered in Chesterfield, Missouri.
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