RZC Reinsurance Group of America, Incorporated 7.125% Fixed-Rate Reset Subordinated Debentures due 2052
NYSE · Insurance · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026RZC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
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About Reinsurance Group of America, Incorporated 7.125% Fixed-Rate Reset Subordinated Debentures due 2052 Company overview from Wikipedia
Reinsurance Group of America, Incorporated (NYSE: RGA) is a holding company for a global life and health reinsurance entity based in Greater St. Louis within the western suburb of Chesterfield, Missouri, United States. With approximately $4.3 trillion of life reinsurance in force and total assets of $156.6 billion as of December 31, 2025, RGA has grown to become the only international company to focus primarily on life and health-related reinsurance.
History
General American Reinsurance, a reinsurance division formed in 1973 by General American Life Insurance Company (GA), was the forerunner to RGA. By 1993, GA's reinsurance division had grown its life reinsurance in force to $114.7 billion. General American acquired the life reinsurance business of National Reinsurance of Canada, later renamed General American Life Reinsurance Company of Canada, thereby establishing its first international office; the Canadian business became RGA Life Reinsurance Company of Canada after RGA's initial public offering (IPO).
Incorporated in 1992 in the state of Missouri, Reinsurance Group of America, Incorporated (RGA) was formed as a holding company for RGA's U.S. and Canadian reinsurance businesses. RGA was taken public by IPO in 1993 on the New York Stock Exchange (NYSE: RGA), with General American retaining a 65% share.
MetLife acquired General American in 2000, including its interest in RGA, and after 8 years of ownership, MetLife spun RGA off to become a fully independent company.
Rankings and recognition
Ranked #193 on the 2026 Fortune 500 list, moving up 3 positions from its prior-year rank and reaching its highest position to date, RGA also was named to the 2026 Fortune's list of the "World's Most Admired Companies." In 2025, RGA was ranked #1 on NMG Consulting's Global All Respondent Business Capability Index (BCI) for the 15th consecutive year, based on feedback from insurance executives in more than 50 markets. RGA has earned this recognition every year since the inception of NMG's Global Life & Health Reinsurance Study.
Products and services
RGA's products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting, and product development. "CBInsights".
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
10-Year Performance Revenue, net income, margins and EPS trends
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Not enough fundamentals data to compute this ratio group yet.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Not enough fundamentals data to compute this ratio group yet.
Financial Health Debt, liquidity, solvency — balance sheet strength
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Not enough fundamentals data to compute this ratio group yet.
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Not enough fundamentals data to compute this ratio group yet.
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 1, 2026 | $0.45 | USD | ≈7.0% |
| Apr 1, 2026 | $0.45 | USD | ≈7.1% |
| Dec 31, 2025 | $0.45 | USD | ≈7.0% |
| Oct 1, 2025 | $0.45 | USD | ≈7.0% |
| Jul 1, 2025 | $0.45 | USD | ≈7.0% |
| Apr 1, 2025 | $0.45 | USD | ≈7.0% |
| Dec 31, 2024 | $0.45 | USD | ≈6.9% |
| Oct 1, 2024 | $0.45 | USD | ≈6.8% |
| Jul 1, 2024 | $0.45 | USD | ≈8.6% |
| Mar 28, 2024 | $0.45 | USD | ≈8.6% |
| Dec 28, 2023 | $0.45 | USD | ≈6.9% |
| Sep 28, 2023 | $0.45 | USD | ≈5.1% |
| Aug 29, 2023 | $0.45 | USD | ≈3.4% |
| Jun 29, 2023 | $0.45 | USD | ≈1.8% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | $8.89 | $6.58 | 35.1% | |
| March 31, 2026 | $6.97 | $6.10 | 14.2% | |
| Dec. 31, 2025 | $7.75 | $5.81 | 33.5% | |
| Sept. 30, 2025 | $6.37 | $5.85 | 9.0% | |
| June 30, 2025 | $4.72 | $5.63 | -16.1% | |
| March 31, 2025 | $5.66 | $5.37 | 5.4% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
We don't have SEC filings for this ticker yet.
Income Statement
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Revenue | $6.64B | $5.60B | |
| Interest Expense | $101M | $90M | |
| Pretax Income | $605M | $341M | |
| Income Tax | $141M | $160M | |
| Net Income | $462M | $180M | |
| EPS (Basic) | $7.07 | $2.72 | |
| EPS (Diluted) | $7.01 | $2.70 | |
| Shares (Basic) | 65,000,000 | 66,000,000 | |
| Shares (Diluted) | 66,000,000 | 67,000,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Cash & Equivalents | $5.29B | · | |
| Total Assets | $167.12B | · | |
| Total Liabilities | $153.33B | · | |
| Long-term Debt | $5.71B | · | |
| Common Stock | $1M | · | |
| Retained Earnings | $10.77B | · | |
| Treasury Stock | $2.11B | · | |
| AOCI | $2.35B | · | |
| Stockholders' Equity | $13.69B | · | |
| Liabilities + Equity | $167.12B | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Operating Cash Flow | $-484M | · | |
| Investing Cash Flow | $-1.95B | · | |
| Debt Issued | $0 | · | |
| Dividends Paid | $61M | · | |
| Financing Cash Flow | $1.77B | · | |
| Net Change in Cash | $295M | · | |
| Taxes Paid | $80M | · |
Profitability
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Net Margin | 7.0% | · | |
| Pretax Margin | 9.1% | · | |
| ROA | 0.31% | · | |
| ROE | 3.6% | · |
Efficiency
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Asset Turnover | 0.0 | · |
Per Share
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Revenue / Share | $100.56 | · | |
| Dividend / Share | $0.93 | $0.89 | |
| EPS (TTM) | $22.77 | $11.52 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q2 2025 |
|---|---|---|---|
| Revenue TTM | $25.97B | $21.75B | |
| Net Income TTM | $1.51B | $770M | |
| P/E | 1.1 | 2.2 | |
| Earnings Yield | 88.8% | 45.3% | |
| Annual Payout | $244M | $235M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Not enough fundamentals data to build this statement yet.
Not enough fundamentals data to build this statement yet.
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 2 filers · $6K total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 0 (-1 vs prior Q) | 0 (-1 vs prior Q) | 1 (+1 vs prior Q) | 0 (0 vs prior Q) | +116 |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| First Command Advisory Services, Inc. | $4,256 | 166 | 70.93% | Shares |
| PNC Financial Services Group, Inc. | $1,744 | 68 | 29.07% | Shares |
Company insiders 2 insiders · 1 officers · 1 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| My Chi To | EVP, Chief Legal Officer | June 6, 2026 M | 3,525 | 0 | 0 | $0 |
| Maurice Tulloch | Director | July 1, 2026 F | 284 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 1 ETF
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| PFLD · ETF Series Solutions | 0.34% | 53,972 NS | July 31, 2026 | N-PORT |
RZC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RZC | · | · | · | · | · | · |
| RGA | · | 11.5 | 7.2% | 5.0% | 9.3% | · |
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