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Reinsurance Group of America
Reinsurance Group of America (RGA) investor relations material
Reinsurance Group of America Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary6 Nov, 2026
Executive summary
Strong Q3 results across regions, supported by robust investment performance, favorable economic claims, disciplined underwriting and prior in-force actions.
Pre-tax adjusted operating income was $736M; after-tax adjusted operating income was $558M, or $8.49 per diluted share. Net income available to shareholders was $456M.
YTD premiums excluding PRT grew 8.2% in constant currency; estimated excess capital was $1.8B. Management expects to meet or exceed intermediate-term targets.
Financial highlights
Q3 pre-tax adjusted operating income was $736M versus $385M in Q3 2025; after-tax adjusted operating income was $558M versus $424M.
Q3 net premiums rose 25.0% to $5.352B, including ~$800M of U.S. Financial Solutions single-premium PRT premiums versus none a year earlier.
Economic claims were $67M better than expectations; financial claims impact was unfavorable by $9M. Claims, variable investment income and other items had a combined $117M favorable impact versus expectations.
Q3 net investment income rose to $1.934B from $1.475B; 9M net investment income was $5.499B versus $4.115B.
9M adjusted operating income before taxes was $2.108B versus $1.291B; 9M net premiums were $14.419B versus $12.450B.
Outlook and guidance
Management expects 8%-10% EPS growth through organic flow business, in-force transactions, investment returns, balance-sheet actions and buybacks.
Full-year 2026 variable investment returns are expected within the 10%-12% long-term range; Q3's unusually high returns are not expected to repeat in Q4.
U.S. PRT and U.K. longevity activity improved after a slow start; pipeline and outlook into Q4 and 2027 are encouraging.
Intermediate-term shareholder payout target remains 20%-30%, with flexibility for opportunistic capital deployment.
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Latest events from Reinsurance Group of America
- Disciplined growth, selective transactions, and robust Asia-Pacific performance drive strong earnings.RGA
Barclays 24th Annual Global Financial Services Conference - Record earnings and robust capital deployment fueled by strong investment and business growth.RGAQ2 2026
- Q1 2026 EPS $6.97, 16.2% ROE, strong growth, favorable claims, and robust capital.RGAQ1 2026
- Shareholders will vote on directors, executive pay, ESPP changes, auditor ratification, and strong board/ESG oversight.RGAProxy filing
- Record earnings, strong premium growth, and new share repurchase authorization.RGAQ4 2025
- Record adjusted operating income and ROE, with strong premium growth and capital deployment.RGAQ3 2024
- Adjusted operating EPS hit $5.48, ROE 15.3%, and $307M deployed into in-force transactions.RGAQ2 2024
- Record financials and innovation support double-digit EPS growth and ROE targets.RGAInvestor Day 2024
- Q1 2025 EPS $5.66, ROE 15%, net income $288M, strong capital, major reinsurance deal pending.RGAQ1 2025
Next Reinsurance Group of America earnings date
Q4 20264 Feb, 2027
Reinsurance Group of America
Next Reinsurance Group of America earnings date
Q4 20264 Feb, 2027
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Frequently asked questions
Reinsurance Group of America Inc operates as a diversified global provider of life reinsurance, retirement solutions, and other insurance products in the United States and internationally. The company operates through five segments: U.S. Life Reinsurance; Latin American Reinsurance; UK and European Reinsurance; Asia Pacific Reinsurance; and Corporate Operations. It offers individual and group risk products, including ordinary life, accident and health, critical illness, long-term care insurance (LTCI), fixed annuities, separate account investment contracts, Universal Life Insurance Products, Term Life Insurance Products, Bank-Owned UL/Universal Life Products, UL/WL, UL/Fixed Annuity, Universal Life Indexed Insurance Products, Term Life Indexed Insurance Products, Individual Variable Annuities (IVA) and Funding Agreement Variable Annuities (FAVA) to individuals and institutions.