NASDAQ · STOCK
Reinsurance Group of America
$236.83
52W $165.52 – $245.00
63/100
$15.52B
12.7
0.47
Is RGA Bullish or Bearish?
Bullish.
Innellis AI committee rates Reinsurance Group of America (RGA) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.56 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 — -8.44 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 p/e of 12.6 is inexpensive for the broad market. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.6 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
- 3 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — 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 01, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 32%
of 141 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 12.6 is inexpensive for the broad market
Growth Analyst
bullish
66
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 55.9% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
51
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
71
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.43 across 7 articles, 14d)
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 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 61.1 to 63.4.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 50% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
52.1
Neutral
MACD Histogram
-0.849
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Mixed
Bollinger %B
0.56
Inside Bands
Price vs Moving Averages
EMA 9
$237.64
Below
EMA 21
$233.25
Above
EMA 50
$224.18
Above
EMA 200
$210.42
Above
Fundamental Analysis
Valuation
100
Growth
68
Profitability
0
Financial Health
50
Cash Flow
38
Valuation
P/E Ratio
12.7×
P/B Ratio
1.18×
PEG Ratio
0.23
Dividend Yield
0.02%
52W High
$245.00
52W Low
$165.52
Quality & Growth
ROE
8.8%
ROA
0.8%
Gross Margin
20.3%
Operating Margin
6.6%
Revenue Growth YoY
—
Debt / Equity
0.46
AI Fundamental Assessment
P/E ratio of 12.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.2%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.46; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (83.75); Most recent quarter beat estimates by 14.2%; 3 consecutive earnings beats; EPS growth decelerating (+21.7% -> -10.1% QoQ); Analyst estimates rising over recent quarters
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