Reinsurance Group of America (FRA:RGPB) Moat Score: 6/10 (As of Jul. 06, 2026)


FRA:RGPB Reinsurance Group of America Inc FRA:RGPB
83 GF Score
Price €191.00
GF Value €205.55
! 4 Warning Signs
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What is Reinsurance Group of America Moat Score?

Reinsurance Group of America FRA:RGPB +2.25% 83 Moat Score is 6 as of Jul. 06, 2026. GuruFocus rates FRA:RGPB with a GF Score™ of 83/100 and a GF Value™ of €205.55. The stock has 4 warning signs investors should review. Among 598 Insurance companies, Reinsurance Group of America ranks better than 94.98% on this metric.

Reinsurance Group of America has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Reinsurance Group of America has Narrow Moat: RGA has a strong narrow moat due to its scale, brand reputation, and expertise in reinsurance. It benefits from customer loyalty and regulatory barriers but faces competition from other large insurers, limiting its ability to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Reinsurance Group of America might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Reinsurance Group of America  (FRA:RGPB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Reinsurance Group of America Moat Score Related Terms

FRA:RGPB vs EG, RNR, HG: Moat Score Comparison

For the Insurance - Reinsurance subindustry, Reinsurance Group of America's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Reinsurance Group of America's Moat Score distribution charts can be found below:

* The bar in red indicates where Reinsurance Group of America's Moat Score falls into.


FRA:RGPB
83GF Score
Reinsurance Group of America Inc FRA:RGPB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Reinsurance Group of America (FRA:RGPB) has a Moat Score of 6 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Reinsurance Group of America ranks #30 out of 598 companies in the Insurance industry, placing it in the top 5%.
Is Reinsurance Group of America's Moat Score too high?
Reinsurance Group of America's current Moat Score is 6. Based on the distribution chart, Reinsurance Group of America ranks #30 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Reinsurance Group of America has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Reinsurance Group of America's Moat Score compare to EG and RNR?
According to the Insurance industry distribution chart, Reinsurance Group of America ranks #30 out of 598 companies for Moat Score. This places Reinsurance Group of America in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Reinsurance Group of America's current Moat Score is 6. 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?
Reinsurance Group of America (FRA:RGPB) has a current Moat Score of 6. The stock's GF Value™ is €205.55, compared to a current price of €191.00 — trading 7.1% below its estimated fair value. The current Moat Score is 6. Reinsurance Group of America's overall GF Score™ is 83/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Reinsurance Group of America (FRA:RGPB), the current Moat Score is 6 as of Jul. 06, 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 (FRA:RGPB) Overvalued in 2026?

Based on GuruFocus' analysis, Reinsurance Group of America stock appears to be undervalued. The current stock price of €191.00 is trading 7.1% below its estimated GF Value™ of €205.55.

Key valuation signals for FRA:RGPB:

  • Moat Score: 6
  • GF Value™: €205.55 vs. price of €191.00 (7.1% below fair value)
  • GF Score™: 83/100 with 4 warning signs

No single metric tells the full story. See the FRA:RGPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Reinsurance Group of America Business Description

Other Exchanges RGA:USA
Address 16600 Swingley Ridge Road, Chesterfield, MO, USA, 63017
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.
83GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€191.00
Price
€205.55
GF Value