REINSURANCE GROUP OF AMERICA INC

RZC · CIK 0000898174Insurance lens →

18 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)

$23.70B7.2%

FY2025

Net income (FY)

$1.18B64.9%

FY2025

Free cash flow (FY)

$1.32B68.3%

FY2022

Diluted EPS (FY)

$17.6964.9%

FY2025

The story, charted

The shape of the business

FY2008–FY2025 · hover any year for its receipt

Revenue & net incomeRevenueNet income

revenue 4.2× since FY2008 · net margin 3.1% → 5.0%

MarginsNet marginFCF margin

FY2025: net 5.0% · free cash flow 8.1% of revenue

Cash engineOperating cash flowFree cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 11% (FY2009) → 9% (FY2025) · on assets 0.8%

Balance sheetLiabilitiesEquity

FY2025: $156.59B assets · $143.04B liabilities · $13.46B equity

The receipts

Insurance lens

Specialized rows for insurer companies — not in the generic statement table above.

USD millions (ratios as %)	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Premiums earned	17,230	17,843	15,085	13,078	12,513	11,694	11,297	10,544	9,841	9,249	8,571	8,670
Policyholder benefits & claims	16,995	16,903	13,872	11,982	11,673	11,075	10,197	9,319	8,519	7,993	7,489	7,407
Loss ratio	98.6%	94.7%	92.0%	91.6%	93.3%	94.7%	90.3%	88.4%	86.6%	86.4%	87.4%	85.4%

Premiums earned and policyholder benefits & claims are as-reported XBRL components — absent (not zero) for insurance brokers such as Aon and Marsh McLennan, which earn fees and commissions rather than underwriting premiums, so these rows are correctly blank for them. The loss ratio (policyholder benefits ÷ premiums earned) is computed by stonks for full fiscal years only.