Last 47 quarters of trend data · Financial Services · Insurance - Reinsurance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Reinsurance Group of America, Incorporated's quarterly P/E stands at 0.9x, down 67.8% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 1.43 | 0.90 | 1.64 | 2.27 | 1.44 | 2.78 | 2.70 | 2.08 | 2.00 | 2.67 | 1.46 | 2.07 | 1.73 |
| — | -67.8% | -39.0% | +9.5% | -27.8% | +4.3% | +84.6% | +0.2% | +15.8% | +38.9% | -1.3% | -4.1% | — | |
| P/S Ratio | 0.07 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.09 | 0.07 | 0.08 | 0.08 | 0.10 | 0.10 |
| — | -20.3% | -10.7% | -15.0% | +18.6% | -6.7% | -7.2% | -14.7% | -35.5% | -5.9% | -22.1% | -7.9% | -12.4% | |
| P/B Ratio | 0.12 | 0.12 | 0.13 | 0.14 | 0.14 | 0.15 | 0.15 | 0.17 | 0.18 | 0.18 | 0.21 | 0.21 | 0.23 |
| — | -18.7% | -15.1% | -21.0% | -18.1% | -17.9% | -26.9% | -20.1% | -22.3% | -50.3% | -54.3% | -25.5% | +13.9% | |
| P/FCF | 0.41 | 0.49 | 0.42 | 0.50 | 0.29 | 0.26 | 0.05 | 0.44 | 0.07 | 0.34 | 0.42 | 1.79 | 0.28 |
| — | +89.6% | +676.1% | +15.1% | +295.1% | -25.2% | -87.2% | -75.6% | -73.6% | -75.0% | -16.9% | -69.4% | -90.5% | |
| EV / EBITDA | 2098.97 | — | — | 1.14 | 1.24 | 2.69 | 1.32 | 1.57 | 0.12 | 0.16 | — | — | 0.17 |
| — | — | — | -27.0% | +916.4% | +1597.2% | — | — | -28.7% | — | — | — | — | |
| EV / EBIT | 2.10 | — | — | 1.14 | 1.24 | 2.69 | 1.32 | 1.57 | 0.12 | — | 1.83 | 3.01 | — |
| — | — | — | -27.0% | +916.4% | — | -27.9% | -47.9% | — | — | — | +20.3% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Reinsurance Group of America, Incorporated's operating margin was 99.4% in Q4 2025, up 99.6 pp QoQ and up 93.4 pp YoY. The trailing four-quarter average of 74.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 71.7% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 28.3% | 28.3% | — | 100.0% | 100.0% | 100.0% | 94.7% | 100.0% | 100.0% | 100.0% | 94.7% | 93.4% | 100.0% |
| — | -71.7% | — | 0.0% | 0.0% | 0.0% | -0.0% | +7.0% | 0.0% | +30.0% | -5.3% | -0.3% | +6.1% | |
| Operating Margin | 6.5% | 99.4% | -0.3% | 100.0% | 100.0% | 6.0% | 5.3% | 100.0% | 100.0% | 99.1% | 8.7% | 7.8% | 100.0% |
| — | +1563.6% | -105.5% | 0.0% | 0.0% | -94.0% | -39.7% | +1176.5% | 0.0% | +894.5% | -91.3% | +59.4% | +1167.4% | |
| Net Margin | 5.0% | 7.0% | 4.1% | 3.2% | 5.4% | 0.0% | 2.8% | 4.2% | 3.3% | 3.2% | 5.5% | 4.9% | 5.9% |
| — | +240489.7% | +46.5% | -22.7% | +64.1% | -99.9% | -49.8% | -15.0% | -44.1% | -32.3% | +395.6% | -3.9% | +469.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 3.5% | 2.0% | 1.5% | 2.6% | 0.0% | 1.5% | 2.1% | 2.2% | 1.8% | 3.6% | 2.6% | 4.2% |
| — | +248378.6% | +35.4% | -27.3% | +13.9% | -99.9% | -58.5% | -20.2% | -46.8% | -64.3% | +327.6% | +0.8% | +845.9% | |
| ROA | 0.9% | 0.3% | 0.2% | 0.1% | 0.2% | 0.0% | 0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.3% |
| — | +300000.0% | +30.7% | -28.6% | +9.4% | -99.9% | -59.6% | -17.5% | -28.0% | -30.9% | +458.3% | -0.2% | +512.5% | |
| ROIC | 8.3% | 33.8% | -0.1% | 34.2% | 31.9% | 2.0% | 2.1% | 39.9% | 50.9% | 36.5% | 3.4% | 2.6% | 45.1% |
| — | +1606.3% | -104.9% | -14.2% | -37.2% | -94.6% | -39.2% | +1442.2% | +12.9% | +441.2% | -93.5% | +58.8% | +2256.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.42 | 0.42 | 0.44 | 0.47 | 0.50 | 0.46 | 0.45 | 0.52 | 0.46 | 0.48 | 0.55 | 0.61 | 0.58 |
| — | -8.9% | -2.9% | -8.4% | +7.7% | -4.2% | -17.2% | -16.0% | -19.8% | -48.4% | -51.4% | -4.6% | +39.7% | |
| Debt / EBITDA | 3707.79 | — | — | 13.37 | 12.71 | 16.11 | 17.18 | 14.73 | 12.91 | 0.89 | — | — | 1.05 |
| — | — | — | -9.3% | -1.5% | +1706.4% | — | — | +1131.6% | — | — | — | — | |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 0.00 | -8.78 | -0.18 | 4.88 | 5.50 | 3.56 | 3.64 | 4.59 | 4.83 | 71.90 | 6.28 | 5.21 | 80.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Reinsurance Group of America, Incorporated's current P/E is 1.4x. The average P/E over the last 4 quarters is 1.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Reinsurance Group of America, Incorporated's current operating margin is 6.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Reinsurance Group of America, Incorporated's business trajectory between earnings reports.