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Reinsurance Group of America (NYSE:RGA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Reinsurance Group of America Equity-to-Asset Related Terms
Reinsurance Group of America Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Reinsurance Group of America Equity-to-Asset Chart
For the Insurance - Reinsurance subindustry, Reinsurance Group of America's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Reinsurance Group of America Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Reinsurance Group of America's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Reinsurance Group of America's Equity-to-Asset falls into.
Reinsurance Group of America Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Reinsurance Group of America's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Reinsurance Group of America (RGA) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Reinsurance Group of America and its competitors. This is 38% below median its historical median of 0.13. Over the past decade, Reinsurance Group of America's Equity-to-Asset has ranged from 0.04 to 0.17. According to the industry distribution chart, Reinsurance Group of America ranks #413 out of 506 companies in the Insurance industry, placing it in the top 81.6%.
Is Reinsurance Group of America's Equity-to-Asset too high?
Reinsurance Group of America's current Equity-to-Asset of 0.08 is 38% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.17. The Insurance industry median Equity-to-Asset is 0.27. Reinsurance Group of America's value of 0.08 is 69.8% below this industry median. Based on the distribution chart, Reinsurance Group of America ranks #413 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Reinsurance Group of America has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Reinsurance Group of America's Equity-to-Asset compare to EG and RNR?
According to the Insurance industry distribution chart, Reinsurance Group of America ranks #413 out of 506 companies for Equity-to-Asset. This places Reinsurance Group of America in the lower half of its industry. The industry median Equity-to-Asset is 0.27. Reinsurance Group of America's value of 0.08 is 69.8% below this benchmark. Historically, Reinsurance Group of America's own Equity-to-Asset has ranged from 0.04 to 0.17 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.27, Reinsurance Group of America has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.27, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Reinsurance Group of America's current Equity-to-Asset of 0.08 is 69.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Reinsurance Group of America and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Reinsurance Group of America's current Equity-to-Asset is 0.08, which is 38% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reinsurance Group of America stock overvalued right now?
Based on GuruFocus' analysis, Reinsurance Group of America (RGA) is currently considered Fairly Valued. The stock's GF Value™ is $241.84, compared to a current price of $244.65 — trading 1.2% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 38% below median its 10-year median of 0.13 and 69.8% below the Insurance industry median of 0.27. Reinsurance Group of America's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Reinsurance Group of America (RGA), the current Equity-to-Asset is 0.08 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Reinsurance Group of America (RGA) Overvalued in 2026?
Based on GuruFocus' analysis, Reinsurance Group of America stock appears to be overvalued.
The current stock price of $244.65 is trading 1.2% above its estimated GF Value™ of $241.84.
GuruFocus considers Reinsurance Group of America to be Fairly Valued.
Key valuation signals for RGA:
Equity-to-Asset: 0.08 (38% below median its 10-year median of 0.13)
GF Value™: $241.84 vs. price of $244.65 (1.2% above fair value)
Industry Position: 69.8% below the Insurance median (#413 of 506)
No single metric tells the full story. See the RGA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Reinsurance Group of America Inc is an insurance holding company with operations in the United States, Latin America, Canada, Europe, Africa, Asia, and Australia. The core products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting, and product development. The company's operations are divided into traditional and financial solution businesses.
75GF Score
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