Stocks股票 / Financials / RGA
Reinsurance Group of America · Financials
RGA US listed · USD美股 · 美元
Reinsurance Group of America, Incorporated 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.Reinsurance Group of America, Incorporated 是一家控股公司，拥有全球人寿和健康再保险实体，总部位于美国密苏里州切斯特菲尔德（大圣路易斯地区的西部郊区）。
Large cap大盘 · $16B
Financial金融股
Financials
S&P 400标普400中盘
$240.88
-$0.91 · -0.38%
52w low52周低 $171high高 $245
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (overbought). Don't chase; wait for a…已错过筑底入场——低点已经形成，目前价格已拉伸（已超买）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Engine read引擎解读 · 2026-07-21
Price chart价格图表
daily · interactive日线 · 可交互
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Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
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Technicals技术面
daily bars日线数据 · 2026-07-21
Momentum (RSI 14)动量（RSI 14）
73
Overbought超买区域
vs 50-day average相对50日均线
+12.4% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
+18.4% above上方
Long trend up长期向上
Volatility波动率
76th percentile第76百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-07-3010days to go天后公布
Estimates roughly stable预期基本稳定
Valuation估值
Looks cheap vs sector相对行业偏便宜| Multiple指标 | RGA | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 13.36x | 14.95 | |
| P/B市净率 | 1.17x | 1.51 | |
| P/S市销率 | 0.67x | 2.84 | |
| Earnings yield盈利收益率 | 7.48% | 6.65 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
5-yr growth5年复合增速 10.2%
Earnings per share每股收益
5-yr growth5年复合增速 22.9%
Free cash flow自由现金流
Net margin净利率
5.0%
FCF margin自由现金流利润率
17.3%
Balance-sheet quality财务体质 5/6
Return on equity股本回报率 9%
Clean稳健
Capital allocation资本配置
Buybacks (TTM)回购（TTM）$94.0M
Stock-based comp股权薪酬$42.0M
Share count change (1y)股数变化（1年）-0.7%
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Quiet — no confirmed driver平静 — 无明确驱动
Technical技术面
RGA took relative-strength leadershipRGA 取得相对强弱领先
Signal history信号历史
engine events引擎事件
BUY ZONE → NEARING A HIGH买入区 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~17 day(s) ago @ 207.79) and overbought (daily RSI 73, 3-day 73 & weekly 71). A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 17 天前形成 @ 207.79）且已超买（日线 RSI 73、3 日 73 与周线 71）。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入
Jul 16, 2026
RGA took relative-strength leadershipRGA 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $239.91.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$239.91。
Jul 16, 2026
RGA made a new 52-week highRGA 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $239.91.价格创出52周新高 — 全市场关注的动量/趋势极值。$239.91。
Jul 16, 2026
RGA RSI reached overboughtRGA RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $239.91.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$239.91。
Jul 15, 2026
NEARING A HIGH → BUY ZONE接近高点 → 买入区
BUY买入
Jul 13, 2026
RGA took relative-strength leadershipRGA 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $238.01.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$238.01。
Jul 10, 2026
UPTREND → NEARING A HIGH上涨趋势 → 接近高点
TAKE PROFITS止盈
Jul 9, 2026
BUY ZONE → UPTREND买入区 → 上涨趋势
HOLD持有
Jul 9, 2026
RGA made a new 52-week highRGA 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $230.49.价格创出52周新高 — 全市场关注的动量/趋势极值。$230.49。
Jul 9, 2026
RGA RSI reached overboughtRGA RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $230.49.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$230.49。
Jul 8, 2026
UPTREND → BUY ZONE上涨趋势 → 买入区
BUY买入
Jul 7, 2026
BUY ZONE → UPTREND买入区 → 上涨趋势
HOLD持有
Jul 7, 2026
RGA RSI reached overboughtRGA RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $230.22.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$230.22。
Showing the last 15 of显示最近15条，共 249 signals条信号
Company profile公司档案
Reinsurance Group of America, Incorporated 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.Reinsurance Group of America, Incorporated 是一家控股公司，拥有全球人寿和健康再保险实体，总部位于美国密苏里州切斯特菲尔德（大圣路易斯地区的西部郊区）。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Above market高于市场
Quality质量
Below market低于市场
Investment资本投入
Below market低于市场
Low volatility低波动
Above market高于市场
Low market beta低市场敏感度
Above market高于市场
Earnings quality盈利质量
Below market低于市场
Short interest空头兴趣
Below market低于市场
Watch items — what could change the story关注项 — 可能改变故事的因素
- Capital intensity rising
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（静态） | 13.4× | 14.9× | 61% |
| Price / Book市净率 | 1.2× | 1.5× | 75% |
| Price / Sales市销率 | 0.7× | 2.8× | 96% |
| Earnings yield盈利收益率 | 7.5% | 6.7% | 63% |
| Free-cash-flow yield自由现金流收益率 | 25.9% | 8.2% | 93% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
38/100 — middle of the pack居中
vs market, 3 months相对大盘（3个月）
72/100 — stronger than most强于多数
vs market, 6 months相对大盘（6个月）
73/100 — stronger than most强于多数
vs market, 12 months相对大盘（12个月）
55/100 — middle of the pack居中
Rank in sector行业内排名
#163 / 252
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | +1.2% | -0.9% |
| 1 Month近1月 | +14.4% | -0.6% |
| 3 Months近3月 | +15.3% | +5.4% |
| 6 Months近6月 | +25.0% | +8.6% |
| Year to date年初至今 | +19.4% | +8.9% |
| 1 Year近1年 | +26.0% | +19.2% |
| 3 Years近3年 | +76.9% | +69.9% |
Trading information交易信息
Beta vs market贝塔
0.37
Volatility rank波动率分位
76th pctile
Short interest空头占比
1.8% of float
Market cap市值
$16B
EPS (trailing)每股收益
$18.03
Off 52-week high距52周高点
-0.4%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $14.6B | $16.7B | $16.3B | $18.6B | $22.1B | $23.7B |
| EPS每股收益 | $6.31 | $9.04 | $9.21 | $13.44 | $10.73 | $17.69 |
| Free cash flow自由现金流 | $3.3B | $4.2B | $1.3B | — | — | — |
| Gross margin毛利率 | — | — | — | — | — | — |
| Net margin净利率 | 2.8% | 3.7% | 3.8% | 4.9% | 3.2% | 5.0% |
| FCF margin自由现金流利润率 | 22.6% | 25.0% | 8.1% | — | — | — |
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$23.7B
Net income净利润
$1.2B
Operating cash flow经营现金流
$4.1B
Total assets总资产
$156.6B
Shareholder equity股东权益
$13.5B
Shares outstanding总股本
0.07B
Returns & growth回报与增长
Return on equity股本回报率
8.8%
Return on assets资产回报率
0.8%
Profit growth利润增速
+64.9%
Asset growth资产增速
+31.9%
Accounting quality checks会计质量检查
- Earnings quality: accruals near the peer median盈利质量：应计利润接近同业中位
- Capital discipline: assets +31.9% (aggressive expansion)资本纪律：资产 +31.9%（扩张激进）
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
73
RSI (2-day)RSI（2日）
69
vs 20-day average相对20日均线
+7.3%
vs 50-day average相对50日均线
+12.4%
vs 200-day average相对200日均线
+18.4%
Golden cross (50>200)金叉（50>200）
in effect生效中
MACDMACD
above signal位于信号线上方
Timeframe alignment多周期共振
Daily日线
momentum up动能向上
3-day3日线
momentum up动能向上
Weekly周线
momentum up动能向上
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
98/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Estimate revisions预期修正
Analysts covering覆盖分析师
8
Estimate direction预期调整方向
mixed分歧
Estimate change, 90 days预期变化（90天）
+1.3%
Net upgrades, 30 days净上调（30天）
+4
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Short interest空头占流通盘
1.8%
Days to cover回补天数
2.7
Short interest change空头变化
-6.3%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
Nov · 100%
Weakest month最弱月份
Jun · 25%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 67% | +6.6% | 3 |
| Feb2月 | 67% | +2.3% | 3 |
| Mar3月 | 33% | -2.6% | 3 |
| Apr4月 | 33% | -2.9% | 3 |
| May5月 | 67% | +8.9% | 3 |
| Jun6月 | 25% | -2.1% | 4 |
| Jul7月 | 75% | +9.5% | 4 |
| Aug8月 | 33% | -0.5% | 3 |
| Sep9月 | 33% | -1.2% | 3 |
| Oct10月 | 33% | -3.0% | 3 |
| Nov11月 | 100% | +8.7% | 3 |
| Dec12月 | 33% | -0.6% | 3 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。