Reinsurance Group of America, I (RZC) Fair Value 2026

RZC · Life Insurance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.6 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-07-13, Reinsurance Group of America, I (RZC) trades at $25.39. QOC: 7.6/10. Value Trap Risk: 20/100 (SAFE). 2/13 models active.

Key Facts

Ticker
RZC
Price
$25.39
Quality Score
7.6/10
Value Trap Risk
20/100
Models Active
2/13
Last Updated
Strength: Earnings Power Value suggests +344.1% upside with 60% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Valuation Matrix

2 Intrinsic Value Models vs. Current Price ($25.39)

Core Models (Unlocked)
Model Fair Value Upside
Earnings Power Value
High Conviction
$112.77 +344.1%
Markov DDM
Medium Conviction
$55.18 +117.3%

All Models Active

All 2 models are displayed above.

What Is Reinsurance Group of America, I (RZC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Reinsurance Group of America, I is potentially undervalued at its current price of $25.39. Based on our 13-model framework, Reinsurance Group of America, I's intrinsic value is estimated at a composite fair value of $83.98 — representing +230.7% implied upside — with 2 out of 2 active models confirming this thesis. Model dispersion is worth noting: EPV targets $112.77 (+344.1%), versus Markov DDM at $55.18 (+117.3%). This +226.8% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About RZC?

2 of 13 models are currently active for RZC. All 2 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does RZC Rank in Life Insurance?

Among 28 Life Insurance stocks, RZC ranks #8 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.

Within the Life Insurance space, Reinsurance Group of America, I competes in an environment where loss ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is RZC a Value Trap?

CirclFi's Value Trap algorithm assigns RZC a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Reinsurance Group of America, I. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Reinsurance Group of America, I's fundamental quality profile registers 7.6/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +226.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RZC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RZC's 2 active models, average confidence is 55%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Reinsurance Group of America, I Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Life Insurance Stocks Should You Also Analyze?

8 related Life Insurance stocks with 13-model coverage

Read investment analysis: PRI · GL · FG · FGN · FGSN

Frequently Asked Questions About Reinsurance Group of America, I

What is Reinsurance Group of America, I's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Reinsurance Group of America, I (RZC) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 7.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RZC overvalued or undervalued right now?

At $25.39, 2 of 2 active models suggest RZC may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Reinsurance Group of America, I's business model in Life Insurance.

What does a Quality of Company score of 7.6 mean for RZC?

Reinsurance Group of America, I's QOC of 7.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RZC?

CirclFi analyzes RZC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is RZC a value trap in 2026?

Reinsurance Group of America, I's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →