RZB
Financial ServicesReinsurance Group of America, Incorporated · Insurance - Reinsurance · $13B
What is Reinsurance Group of America, Incorporated?
Reinsurance Group of America is a global life and health reinsurance holding company operating across four major geographic segments. Headquartered in Chesterfield, Missouri, it partners with insurers worldwide to share mortality, morbidity, and longevity risk.
Reinsurance Group of America generates revenue by assuming life and health insurance risk from primary insurers in exchange for premiums. It operates through yearly renewable term agreements, coinsurance, and modified coinsurance structures across the U.S., Latin America, Canada, Europe, the Middle East, Africa, and Asia Pacific. The company also earns investment income on its portfolio of assets held against reinsurance liabilities, and provides specialty products such as critical illness and disability reinsurance.
The company was founded in 1973 and is headquartered in Chesterfield, Missouri.
- Individual and group life reinsurance across multiple geographies
- Critical illness and disability reinsurance products
- Creditor and superannuation reinsurance solutions
- Underwritten annuity reinsurance in select markets
- Investment income from reinsurance-related asset portfolios
Is RZB a Good Stock to Buy?
UQS Score rates RZB as Good overall, reflecting a balanced profile with identifiable strengths and areas worth monitoring.
The Growth pillar stands out as the clearest positive signal, suggesting the business is expanding at a pace that compares favorably within the financial services sector. The Valuation pillar is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals — a meaningful consideration for long-term investors.
Quality, Moat, and Risk are each rated Neutral, indicating that competitive differentiation and balance-sheet resilience are in line with sector norms rather than standing out as exceptional.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RZB pay dividends?
Yes — Reinsurance Group of America, Incorporated pays a dividend.
Reinsurance Group of America pays a regular dividend, consistent with the capital-return practices common among established financial services companies. The dividend reflects the company's ability to generate recurring cash flows from its global reinsurance operations. Investors seeking income alongside exposure to the life and health reinsurance sector may find this cadence relevant to their portfolio planning.
When does RZB report earnings?
Reinsurance Group of America reports earnings on a quarterly cadence, typical for US-listed equities.
The company's Good Growth rating suggests recent operating results have trended positively relative to sector peers. Mortality experience, premium volume across geographic segments, and investment portfolio performance are the primary drivers of quarterly outcomes.
For the most recent quarter's results and upcoming reporting dates, visit Reinsurance Group of America's investor relations page directly.
RZB Price History
+19.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Reinsurance Group of America, Incorporated?
Based on Reinsurance Group of America, Incorporated's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RZB Long-term Outlook
The combination of a Good Growth rating and an Attractive Valuation label positions RZB as a company where fundamental expansion may not yet be fully reflected in the share price. Neutral Risk suggests the business faces typical sector-level headwinds rather than outsized balance-sheet or operational vulnerabilities. Sustained demand for life and health reinsurance capacity globally supports a constructive medium-term fundamental outlook, though execution across diverse geographies introduces complexity.
Growth drivers
- Expanding demand for life and health reinsurance capacity in Asia Pacific and emerging markets
- Recurring premium growth from multi-year coinsurance and yearly renewable term agreements
- Investment income contribution from a growing reinsurance liability-matched asset base
Key risks
- Adverse mortality or morbidity experience deviating from actuarial assumptions
- Interest rate sensitivity affecting investment portfolio returns and liability valuations
- Regulatory and currency complexity across a broad multi-regional operating footprint
RZB vs Peers
Reinsurance Group of America operates in a specialized segment of financial services alongside a small group of global reinsurance peers.
RenaissanceRe focuses primarily on property catastrophe reinsurance, giving it a different risk profile compared to RZB's life and health orientation.
RGA shares the same parent business and serves as the primary operating entity, making it the closest direct comparable in the life reinsurance space.
Everest Re combines property-casualty and life reinsurance lines, offering a broader product mix than RZB's concentrated life and health focus.
Frequently Asked Questions
What does Reinsurance Group of America do?
Reinsurance Group of America provides life and health reinsurance products to primary insurers across the globe. It assumes mortality, morbidity, and longevity risk in exchange for premiums, operating through segments covering the U.S., Latin America, Canada, Europe, the Middle East, Africa, and Asia Pacific. The company also earns investment income on assets held against its reinsurance obligations.
Does RZB pay dividends?
Yes, Reinsurance Group of America pays a regular dividend. This is consistent with the capital-return practices of established financial services companies that generate recurring cash flows. Investors should verify the current dividend rate and payment schedule through the company's investor relations page, as terms can change.
When does RZB report earnings?
Reinsurance Group of America reports earnings on a quarterly cadence, which is standard for US-listed companies. Specific reporting dates are published in advance on the company's investor relations page. UQS does not maintain a forward earnings calendar, so we recommend checking there for the most current schedule.
Is RZB a good stock to buy?
UQS Score rates RZB as Good overall. The Growth pillar is a relative strength, and the Valuation pillar is rated Attractive. Quality, Moat, and Risk are each Neutral. Whether this profile suits your investment goals depends on your own criteria — the full pillar breakdown is available to UQS Pro members.
Is RZB overvalued?
The UQS Valuation pillar for RZB is rated Attractive, suggesting the stock does not appear expensively priced relative to its fundamentals at the time of scoring. Valuation assessments can shift as earnings and market prices change, so reviewing the full metrics on a current basis is worthwhile.
How does RZB compare to its competitors?
RZB competes in the life and health reinsurance space alongside peers such as RenaissanceRe and Everest Re, though those companies carry meaningful property-casualty exposure. RZB's concentrated focus on life and health reinsurance across multiple geographies distinguishes its risk and revenue profile from more diversified reinsurers.
What is RZB's market cap bracket?
Reinsurance Group of America is classified as a large-cap company. This places it among the more established and liquid names in the financial services sector, typically associated with greater institutional coverage and more stable capital structures than smaller reinsurance peers.
Who founded Reinsurance Group of America?
Reinsurance Group of America was founded in 1973. Detailed founding history, including the individuals involved in establishing the company, is publicly available through the company's official history and investor relations materials.
Is RZB a long-term quality indicator?
As a long-term quality indicator, RZB's UQS profile shows a Good overall score with an Attractive Valuation and Good Growth rating. The Neutral readings on Quality, Moat, and Risk suggest the business is stable but not exceptional on those dimensions. Long-term investors can view the complete pillar analysis with a UQS Pro membership.
What is the main competitive advantage of Reinsurance Group of America?
Reinsurance Group of America's scale across multiple geographic segments — spanning the Americas, Europe, the Middle East, Africa, and Asia Pacific — provides diversification of mortality and morbidity risk. Its long-standing relationships with primary insurers and actuarial expertise in life and health lines represent the core of its competitive positioning, though the UQS Moat pillar rates this as Neutral relative to sector peers.
What sector does RZB belong to?
RZB operates in the Financial Services sector, specifically within the life and health reinsurance industry. Reinsurance companies occupy a specialized niche, acting as insurers for primary insurance companies rather than selling policies directly to individuals or businesses.
Is RZB a growth stock or value stock?
Based on UQS pillar labels, RZB shows characteristics of both. The Growth pillar is rated Good, indicating above-average expansion relative to sector peers. The Valuation pillar is rated Attractive, which leans toward value territory. This combination may appeal to investors looking for growth at a reasonable price within financial services.
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Pro Analysis
RZB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 54.9 | 45.9 | 43.0 | 61.1 | 39.1 | 97.4 | 0.0 |
| May 16, 2026 | 54.9 | 45.9 | 43.0 | 61.1 | 39.1 | 97.3 | 0.0 |
| May 14, 2026 | 54.9 | 45.9 | 43.0 | 61.1 | 39.1 | 97.5 | -0.1 |
| May 12, 2026 | 55.0 | 45.9 | 43.0 | 61.1 | 39.1 | 97.8 | -1.9 |
| May 10, 2026 | 56.9 | 50.0 | 43.0 | 61.1 | 42.9 | 100.0 | +2.0 |
| Apr 26, 2026 | 54.9 | 46.0 | 43.0 | 61.1 | 40.1 | 96.3 | 0.0 |
| Apr 18, 2026 | 54.9 | 46.0 | 43.0 | 61.1 | 40.1 | 96.1 | -0.6 |
| Apr 14, 2026 | 55.5 | 46.0 | 43.0 | 61.1 | 40.1 | 100.0 | -1.7 |
| Apr 13, 2026 | 57.2 | 46.0 | 50.0 | 61.1 | 40.1 | 100.0 | +1.7 |
| Apr 2, 2026 | 55.5 | 46.0 | 43.0 | 61.1 | 40.1 | 100.0 | — |
RZB — Pillar Breakdown
Quality
— 45.9/100 (25%)Reinsurance Group of America, Incorporated has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 61.1/100 (20%)Reinsurance Group of America, Incorporated demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 39.1/100 (15%)Reinsurance Group of America, Incorporated has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 97.4/100 (15%)Reinsurance Group of America, Incorporated appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 43/100 (25%)Reinsurance Group of America, Incorporated possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RZB.
Score Composition
Financial Data
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How is the RZB UQS Score Calculated?
The UQS (Unified Quality Score) for Reinsurance Group of America, Incorporated is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Reinsurance Group of America, Incorporated's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Reinsurance Group of America, Incorporated is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.