Reinsurance Group of America Incorporated (RGA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$263.45 +0.95% NYSE • Public Delayed / 60s Snapshot

Reinsurance Group of America Incorporated (RGA) receives a Roarable Rating of D+ (Sell) and flashes a Red SELL / AVOID warning (58/100 RQD Confidence). Our SEC filing scanner spotted paper earnings outpacing real operating cash flow (+121.2% (NI vs OCF)) while unpaid customer invoices grew—a classic sign to step aside until cash flow catches up.

ROARABLE D+ • SELL / AVOID Cap $17.20B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw D+ · Rk D
Cash (9)Whales (10)SEC (8)Macro (14)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$311 Bull$263 Base$205 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.5M)
44% PutsMax Pain: $258.00
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How RGA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$3.02B (12.8% FCF Margin)
Revenue$23.70BGross Profit $10.43B (44%)Cost of Sales $13.27BOp Profit $1.39B (5.9%)OpEx (R&D/SG&A) $9.03BNet Profit$1.18B (5%)Tax/Other $212.8M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $18.57B
FY24
Rev $22.11B
FY25
Rev $23.70B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$23.70B44%5.9%$1.18B$3.02B1.5%
FY 2024$22.11B44%3.8%$717.0M$8.38B1.2%
FY 2023$18.57B44%5.7%$902.0M$3.21B6.2%
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RQD INSIDER CLUB UPGRADE$49/YEAR
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RGA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.19%▲ ASCENDING CHANNEL
2026-10-30O $266.2H $266.2L $262.3C $264.7VOL 430.7K
RES: $275.1SUP: $246.6SMA50: $253.2SMA200: $224.7
$277.9$255.4$233.0$210.6$188.1RES $275.1SUP $246.6$264.72026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RGA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
6.6%/yr Implied 5Y Growth

vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RGA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RGA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RGA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

RGA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Reinsurance Group of America Incorporated (RGA)?

In FY 2025 (10-K), RGA converted $23.7B of revenue into a 44% gross margin, 5.9% operating margin, and $3.0B in free cash flow (12.8% FCF margin).