DCF Valuation
Reinsurance Group of America (RGA) DCF Valuation — Is RGA undervalued?
The estimated DCF fair value of one Reinsurance Group of America (RGA) share is $458.63. Compared to the current market price of $236.38, the stock is undervalued by 94.0%.
DCF fair value
$458.63
Market price
$236.38
Upside / downside
+94.0%
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Reinsurance Group of America (RGA) DCF valuation FAQ
What is the DCF fair value of Reinsurance Group of America (RGA)?
The discounted-cash-flow model estimates the intrinsic fair value of one Reinsurance Group of America (RGA) share at $458.63, based on a 10-year projection of its cash flows converging to Damodaran industry averages.
Is Reinsurance Group of America (RGA) overvalued or undervalued?
Against the current market price of $236.38, the DCF fair value of $458.63 implies RGA is undervalued by 94.0%.
How is the RGA DCF value calculated?
It is a 10-year discounted-cash-flow estimate built from Reinsurance Group of America's reported fundamentals, with terminal assumptions anchored to Damodaran NYU industry datasets. The market price refreshes daily; the DCF fair value updates when Reinsurance Group of America files a new quarterly or annual report.
How this RGA valuation is built
The model projects ten years of Reinsurance Group of America's free cash flow to the firm and discounts each year at its own cost of capital. Rather than assuming today's growth and margins persist forever, a moat-scoring step — weighing Reinsurance Group of America's ROIC-versus-WACC spread, gross-margin trend, and reinvestment efficiency — decides how many years the business holds its edge before its economics mean-revert toward the Damodaran NYU benchmarks for its industry.
WACC is rebuilt each year from an unlevered-then-relevered beta and the company's evolving capital structure; terminal value uses the Gordon growth model with a reinvestment rate tied to the return earned on new capital (goodwill stripped out to reflect operating efficiency). Every assumption — growth, margins, tax, leverage, convergence timing — is editable, and running the full interactive model adds a 10,000-draw Monte Carlo simulation and WACC-versus-terminal-growth sensitivity heatmaps.
The market price refreshes daily; the DCF fair value updates when Reinsurance Group of America files a new quarterly or annual report. For educational/informational purposes only — not investment advice. Last updated 2026-08-06.