So, you’re looking at Reinsurance Group of America (RGA) today. Honestly, it’s one of those stocks that doesn't get the "glamour" treatment that a tech giant or a flashy AI startup might get, but for people who actually track the insurance sector, it's a staple. As of mid-day on Friday, January 16, 2026, the rga stock price today is hovering around $194.39, down about 1.19% from the previous close.
It’s been a bit of a choppy morning. The stock opened at $195.27 and has seen a session low of $194.36. If you’ve been following the 52-week trend, we’re sitting somewhere in the middle—well off the high of $232.97 but comfortably above the low of $159.25.
Why the dip? Markets are funny sometimes.
There wasn't a massive "sky is falling" news event this morning. Instead, we're seeing some broader sector movement and maybe a little bit of pre-earnings jitters. RGA is actually scheduled to drop its fourth-quarter and full-year 2025 results on February 5, 2026. When a big reporting date is that close, the stock often starts "breathing" differently as institutional investors hedge their bets.
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What’s Actually Moving the Needle for RGA?
If you want to understand the rga stock price today, you have to look past the ticker. RGA isn't just an insurance company; they are the people who insure the insurance companies. It’s a specialized niche.
Right now, analysts are remarkably bullish despite the slight daily red on the screen. Most Wall Street targets are pinned much higher than where we are. We’re talking about an average price target of roughly $238.00. Wells Fargo analyst Elyse Greenspan recently maintained an "Overweight" rating, and Piper Sandler has been positive as well.
The consensus seems to be that RGA is undervalued.
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The Under-the-Hood Numbers
- Market Cap: Around $12.77 billion.
- P/E Ratio: Roughly 15.01. For context, that’s often considered "cheap" compared to the broader S&P 500, though it’s fairly standard for the life insurance world.
- Dividend Yield: Sitting at about 1.91%. It’s not a "get rich quick" dividend, but it’s steady.
What most people miss is the global reach. RGA has been aggressively expanding in Asia—specifically Hong Kong, Taiwan, and Korea. While the U.S. market is "mature" (which is corporate-speak for "slow-growing"), these international markets are where the real growth is happening. They are seeing a record number of asset-intensive transactions. That’s fancy talk for RGA taking over big blocks of business from other insurers to help them manage their capital better.
Is the Current Price a Warning or a Window?
It’s easy to get spooked by a 1% or 2% drop on a Friday. But look at the technicals. RGA is still trading above its 50-day and 200-day moving averages. In the world of charting, that usually means the long-term "uptrend" is still intact.
The company also recently made some interesting moves, like opening a major new office in New York City at Park Avenue Tower. You don't do that if you're worried about the lights staying on. They also appointed Ryan Krueger as the new head of Investor Relations earlier this month. New leadership in IR often precedes a push to "tell the company story" better to big funds.
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One thing to keep an eye on? Medical costs.
RGA deals heavily in life and health reinsurance. If medical inflation keeps ticking up or if we see weird volatility in U.S. mortality rates, that eats into their margins. They recently released a study suggesting that GLP-1 drugs (the Ozempic wave) might actually reduce U.S. mortality by 3.5% over the next two decades. If that plays out, RGA wins big because people live longer and pay premiums longer.
Actionable Insights for RGA Watchers
If you’re holding or looking to buy, don't just stare at the rga stock price today and call it a day.
- Watch the February 5th Earnings: This is the big one. Analysts are expecting an EPS (earnings per share) of around $5.86. If they beat that, expect the stock to gap up.
- Mind the P/B Ratio: RGA often trades at a discount to its book value. Currently, it’s around 1x. Some of its peers trade at 2x. That gap is where the "value" play lives.
- Sector Sympathy: Watch the big life insurers like MetLife or Prudential. If they struggle, RGA usually feels the heat too, even if their own business is solid.
The bottom line is that RGA is a "boring" company that performs in the background. Today’s minor dip feels more like market noise than a fundamental shift in the company's value.
To stay ahead of the next move, set an alert for the February 5th earnings call. Specifically, listen for their comments on "International Traditional" business growth. If Asia continues to outpace expectations, the current sub-$200 price point might look like a bargain by the time spring rolls around. Keep an eye on the volume today as well; if it stays low, this is just a low-conviction sell-off. High volume on a down day would be the real signal to wait for a deeper bottom.