olivLaw · US equity research
Reinsurance Group of America, Inc. RGA
Life Insurance · SIC 6311 · Vertical: Life Insurance (SIC 6311)
Reinsurance Group of America, Inc. (RGA) is a global provider of life, health and asset-intensive reinsurance, with over 4.3 trillion USD of life reinsurance in force as of December 31, 2025. In the first half of 2026, net premiums reached 9067 million USD, and the company reported a record second quarter with adjusted operating income of 8.89 USD per diluted share. Results still depend on mortality experience and investment returns, which could change outcomes.
At the close of 03 Nov 2026, Reinsurance Group of America, Inc. (RGA) stock was 264.70 USD (−1.01% on the day), with market capitalisation 17.3 bn USD, P/E 11.6 on diluted EPS of 22.77 USD over the last 12 months, dividend yield 1.41%, beta 0.75, 52-week range 184.10–272.05 USD. Latest reported quarter (Q2 2026): revenue of 6.6 bn USD (+18.5% YoY), net income of 462.0 m USD (+156.7% YoY), diluted EPS 7.01 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 57.2
- strong (55–70)
- Bollinger (20, 2)
- 253.41 – 272.80
- in the upper half of the band · %B 0.58 · band width 7.4%
- SMA 50 / 200
- 254.11 / 225.44
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 3.55 / 4.08
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +6.1% | −2.0% | +8.1 pp | — |
| 3 months | +12.1% | −2.2% | +14.2 pp | — |
| 6 months | +24.0% | +4.3% | +19.7 pp | — |
| Year to date | +30.1% | +10.6% | +19.5 pp | — |
| 1 year | +45.8% | +10.5% | +35.3 pp | +1.1% |
| 3 years | +74.1% | +73.7% | +0.5 pp | +41.1% |
| 5 years | +120.9% | +61.7% | +59.1 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 5.7 bn | 5.2 bn | 5.3 bn | 5.6 bn | 6.2 bn | 6.6 bn | 6.5 bn | 6.6 bn |
| Interest expense | 78.0 m | 86.0 m | 80.0 m | 90.0 m | 98.0 m | 98.0 m | 99.0 m | 101.0 m |
| Pre-tax income | 214.0 m | 225.0 m | 369.0 m | 341.0 m | 320.0 m | 510.0 m | 441.0 m | 605.0 m |
| Income tax | 56.0 m | 75.0 m | 81.0 m | 160.0 m | 65.0 m | 45.0 m | 110.0 m | 141.0 m |
| Net income | 156.0 m | 150.0 m | 286.0 m | 180.0 m | 253.0 m | 465.0 m | 330.0 m | 462.0 m |
| Diluted EPS | 2.33 | 2.22 | 4.27 | 2.70 | 3.81 | 6.97 | 4.98 | 7.01 |
| Operating cash flow | -1.1 bn ≈ | 17.1 bn | -1.4 bn | -820.0 m ≈ | -990.0 m ≈ | 7.3 bn | -2.9 bn | -484.0 m ≈ |
| Dividends paid | 59.0 m ≈ | 58.0 m | 59.0 m | 59.0 m ≈ | 61.0 m ≈ | 61.0 m | 61.0 m | 61.0 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 42 percentile of its own 43-quarter history (min 5.0, median 12.0, max 22.3; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 12.9 bn | 14.3 bn | 14.6 bn | 16.7 bn | 16.2 bn | 18.6 bn | 22.1 bn | 23.7 bn |
| Revenue YoY | +2.9% | +11.1% | +2.1% | +14.2% | −2.6% | +14.4% | +19.1% | +7.2% |
| Net income | 716.0 m | 870.0 m | 415.0 m | 1.2 bn | 517.0 m | 902.0 m | 717.0 m | 1.2 bn |
| Net income YoY | −60.7% | +21.5% | −52.3% | +181.9% | −55.8% | +74.5% | −20.5% | +64.9% |
| Diluted EPS | 11.00 | 13.62 | 6.31 | 17.13 | 7.64 | 13.44 | 10.73 | 17.69 |
| Diluted EPS YoY | −60.3% | +23.8% | −53.7% | +171.5% | −55.4% | +75.9% | −20.2% | +64.9% |
| net % | 5.6% | 6.1% | 2.8% | 7.0% | 3.2% | 4.9% | 3.2% | 5.0% |
| Free cash flow | 1.6 bn | 2.3 bn | 3.3 bn | 4.2 bn | 1.3 bn | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 4.2 bn USD
- Financial debt
- 5.7 bn USD
- Net debt
- 1.5 bn USD
- Equity
- 13.6 bn USD
- Total assets
- 156.6 bn USD
- Debt / equity
- 0.42x
- Current ratio
- unavailable
- ROE
- 9.7%
- ROA
- 0.9%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Pre-tax income | 553.0 m | 1.4 bn | 718.0 m | 1.2 bn | 980.0 m | 1.5 bn | SEC (XBRL)· 20 Feb 2026verified |
| Net income | 415.0 m | 1.2 bn | 517.0 m | 902.0 m | 717.0 m | 1.2 bn | SEC (XBRL)· 20 Feb 2026verified |
| Diluted EPS | 6.31 | 17.13 | 7.64 | 13.44 | 10.73 | 17.69 | SEC (XBRL)· 20 Feb 2026verified |
| Dividend per share | 2.86 | 2.86 | 3.06 | 3.30 | 3.48 | 3.64 | SEC (XBRL)· 20 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 2.9 bn | 2.9 bn | 2.9 bn | 3.0 bn | 3.3 bn | 4.2 bn | SEC (XBRL)· 20 Feb 2026verified |
| Total assets | 84.7 bn | 92.9 bn | 84.9 bn | 97.6 bn | 118.7 bn | 156.6 bn | SEC (XBRL)· 20 Feb 2026verified |
| Long-term debt | 3.6 bn | 3.7 bn | 4.0 bn | 4.4 bn | 5.0 bn | 5.7 bn | SEC (XBRL)· 20 Feb 2026verified |
| Total liabilities | 70.3 bn | 79.2 bn | 77.7 bn | 88.5 bn | 107.8 bn | 143.0 bn | SEC (XBRL)· 20 Feb 2026verified |
| Equity | 14.4 bn | 8.2 bn | 7.2 bn | 9.2 bn | 10.9 bn | 13.6 bn | SEC (XBRL)· 20 Feb 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 182.0 m | 194.0 m | 205.0 m | 219.0 m | 229.0 m | 240.0 m | SEC (XBRL)· 20 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Insurance
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 51 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
03 Nov 2026Source: olivLaw, closing series
Market cap: 17.3 bn USD
Key indicators
Coverage and freshness
Score by group
- Valuation34
- Balance sheet20
- Quality47
- Growth100
- Returns47
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 69.16 – 423.60 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income216.46 – 226.48 (Mid 221.38)
- Justified P/B248.14 – 333.70 (Mid 284.63)
- Dividend discount (DDM)outside the aggregate47.83 – 64.33 (Mid 54.87)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E79.90 – 393.25 (Mid 206.72)16 companies used · median multiple 9.1x · quartiles 3.5x – 17.3xAAME, ANG-PD, ATHS, BHF, CIA, CRBD, FG, GL, GNW, JXN, LNC, MET, PFH, PRI, PUK, VOYA
- Peers: P/B69.16 – 423.60 (Mid 166.84)16 companies used · median multiple 0.8x · quartiles 0.3x – 2.0xAAME, ANG-PD, ATHS, BHF, CIA, CRBD, FG, GL, GNW, JXN, LNC, MET, PFH, PRI, PUK, VOYA
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 51/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 11.7% | 47 (vs peers) | 20% |
| Loss ratio · Quality | unavailable | unavailable | — |
| EPS CAGR 3Y · Growth | 32.3% | 100 (on a fixed band) | 11% |
| Revenue CAGR 3Y · Growth | 13.5% | 100 (on a fixed band) | 9% |
| ROA · Balance sheet | 1.0% | 20 (on a fixed band) | 9% |
| P/B · Valuation | 1.3x | 38 (vs peers) | 16% |
| P/E (TTM) · Valuation | 11.6x | 31 (vs peers) | 16% |
| Dividend yield · Returns | 1.4% | 15 (vs peers) | 11% |
| Payout ratio (EPS) · Returns | 16.3% | 100 (on a fixed band) | 7% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet20/100 · 1/1 factors with a value
- Growth100/100 · 2/2 factors with a value
- Quality· partial47/100 · 1/2 factors with a value
- Returns47/100 · 2/2 factors with a value
- Valuation34/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
REINSURANCE GROUP OF AMERICA, INCORPORATED (RGA). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: YoY growth 7.2%; net margin 5.8%; ROE 11.7%.
The estimated value range is 148.18–363.48 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 214.05 USD, the price of 264.70 USD leaves a potential of -19.1% (value / price − 1) and a margin of safety of -23.7% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 51/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: quality. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- EPS CAGR 3Y: 32.3%
- Revenue CAGR 3Y: 13.5%
- Payout ratio (EPS): 16.3%
What contradicts it
- ROA: 1.0%
- Dividend yield: 1.4%
Not assessed (insufficient data or a ratio without meaning): Loss ratio.
Versus the vertical median
Life Insurance (SIC 6311) · same industry (4-digit SIC) · compared with 19 companies
The size band was not applied: too few companies would have remained; the vertical includes much smaller or larger companies.
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| PUKPrudential PLC | 67.2 bn | 17.2 | 21.2% | 34.6% | +7.0% | −10% / +20% |
| METMetLife, Inc. | 64.0 bn | 19.1 | 13.2% | 4.6% | +8.6% | +31% / +58% |
| RGAReinsurance Group Of America, Incorporated | 17.3 bn | 11.6 | 11.7% | 5.8% | +7.2% | +46% / +74% |
| GLGlobe Life Inc. | 12.4 bn | 10.7 | 20.9% | 19.6% | +3.7% | +20% / +31% |
| VOYAVoya Financial, Inc. | 9.5 bn | 17.5 | 13.1% | 7.4% | +1.7% | +49% / +46% |
| CRBDCorebridge Financial, Inc. | 9.3 bn | 4.6 | 21.7% | 10.6% | −1.2% | −11% / unavailable |
| JXNJackson Financial Inc. | 9.1 bn | 11.1 | 9.5% | 13.4% | +104.3% | +40% / +188% |
| PRIPrimerica, Inc. | 8.8 bn | 11.4 | 33.0% | 23.2% | +6.6% | +11% / +36% |
| LNCLincoln National Corp | 8.0 bn | 3.6 | 22.6% | 12.2% | −1.2% | +1% / +75% |
| PFHPrudential Financial Inc | 5.3 bn | 1.4 | 12.6% | 6.0% | −13.7% | −11% / −20% |
| GNWGenworth Financial, Inc. | 3.5 bn | 17.5 | 2.4% | 2.9% | +0.1% | +6% / +56% |
| FGF&G Annuities & Life, Inc. | 2.9 bn | 7.4 | 9.2% | 6.9% | −0.2% | −32% / −46% |
| BHFBrighthouse Financial, Inc. | 2.4 bn | 3.3 | 13.6% | 12.5% | +43.2% | −35% / −18% |
| CIACitizens, Inc. | 209.2 m | 18.0 | 5.0% | 4.5% | +4.3% | −31% / +25% |
| AAMEAtlantic American Corporation | 24.3 m | 4.3 | 5.2% | 2.9% | +11.9% | −51% / −39% |
| ATHSAthene Holding Ltd | 4.7 m | 0.0 | 4.5% | 2.9% | +24.1% | −8% / unavailable |
| ANG-PDAmerican National Group Inc. | 215.5 k | 0.0 | 8.4% | 12.6% | −0.4% | −15% / unavailable |
| AEGAegon Ltd. | — | — | 10.5% | — | +1.1% | +7% / +56% |
| SLFSun Life Financial Inc | — | — | 14.2% | 8.5% | +8.0% | +39% / +62% |
| MFCManulife Financial Corporation | — | — | 11.0% | 68.5% | +7.1% | +31% / +135% |
1- and 3-year price returns: for RGA from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 173.19 Total return -33% · Per year -33% | 304.98 Total return 17% · Per year 17% | 457.73 Total return 75% · Per year 75% |
| 3 years | 199.70 Total return -21% · Per year -7% | 392.57 Total return 54% · Per year 15% | 642.26 Total return 150% · Per year 36% |
| 5 years | 230.27 Total return -6% · Per year -1% | 505.32 Total return 101% · Per year 15% | 901.20 Total return 254% · Per year 29% |
- Exit P/E± 98.14
- Net margin± 68.70
- Annual revenue growth± 51.94
- Annual dilution± 5.77
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Reinsurance Group of America, Inc. (RGA) is a global provider of life, health and asset-intensive reinsurance, with over 4.3 trillion USD of life reinsurance in force as of December 31, 2025 1. In the first half of 2026, net premiums reached 9067 million USD 3, and the company reported a record second quarter with adjusted operating income of 8.89 USD per diluted share 3. Results still depend on mortality experience and investment returns, which could change outcomes.
SWOT
Strengths
- Leading global position in life and health reinsurance, with a broad base across regions and product types 1.
- Underwriting expertise and large volumes of mortality and morbidity data useful for pricing risk 1.
- Recent quarterly results show favorable claims experience and rising adjusted operating income 3.
Weaknesses
Opportunities
- Rising reinsurance demand in international markets and North America could support new business growth 1.
- Pension risk transfer and longevity solutions may open new transactions with existing and new clients 1.
- Strategic transactions and capital allocation could add earnings if integrated effectively 23.
Threats
- A downgrade in financial strength ratings could reduce the ability to sell products and keep business 1.
- Changes in reserve and captive reinsurance rules could raise costs or limit financing options 1.
- Geopolitical tensions, epidemics or currency moves could affect mortality experience and international results 12.
Risks
- Pricing assumptionshigh
If actual mortality, morbidity or lapse experience differs materially from pricing assumptions, financial results could be adversely affected 1.
- Reserve regulationhigh
Reserve requirements and limits on captive reinsurers could require additional capital or changes in the type of business written 1.
- Credit ratingsmedium
A downgrade could raise the cost of capital and allow clients to terminate reinsurance contracts 1.
- Significant transactionsmedium
Integrating acquired blocks of business, including the transaction with Equitable Holdings, may not deliver the expected benefits 12.
- Markets and currencylow
Volatility in capital markets, interest rates and exchange rates could affect investment returns and reported results 23.
Investment thesis
What would need to be true (bull case)
- If premium growth and new business continue, the leading global position could support long-term returns on equity 3.
- Favorable mortality experience in recent quarters could confirm the discipline of pricing and risk selection 3.
- Diversification across regions and product types could cushion shocks from any single market or segment 1.
What would break the thesis
- If mortality experience turns less favorable than expected, earnings could fall sharply 1.
- Regulatory requirements and captive reinsurance limits could raise financing costs and reduce flexibility 1.
- Reliance on investment returns and variable investment income could magnify the impact of weaker markets 3.
What to watch
- Mortality experience and pricing assumptions in quarterly resultsQ3 2026
- Net premiums and new business in international segmentsQ3 2026
- Contribution of the Equitable Holdings transaction to U.S. financial solutions2026
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
RGA is a reinsurance holding company operating in the U.S., Latin America, Canada, Europe, the Middle East, Africa, Asia and Australia 1. Traditional reinsurance covers life, health, disability, long-term care and critical illness risks, while financial solutions include asset-intensive reinsurance, longevity reinsurance, stable value products, pension risk transfer and capital solutions 1. Total assets were 156.6 billion USD at December 31, 2025 1 and 167.1 billion USD at June 30, 2026 2.
Revenue comes mainly from renewal premiums under existing treaties, new business premiums, fee income from financial solutions and income on invested assets 1. Long-term profitability depends on the volume and size of death and health claims and on pricing the risks assumed correctly 1. As a holding company, RGA relies on dividends from its insurance subsidiaries, so regulatory limits on those payments matter for shareholder returns 1.
Segments include U.S. and Latin America, Canada, EMEA, Asia Pacific and Corporate and Other. Gross premiums in fiscal 2025 totaled 17773 million USD 1, and net premiums were 17230 million USD in the same year 1. The U.S. and Latin America segment remains the largest source of premiums and in-force business 1.
Market context
The company expects life and health insurers to keep partnering with reinsurers to manage risk, achieve growth and improve capital efficiency 1. Cession rates in North America have risen after a period of decline, and rising middle-class wealth in international markets could support insurance growth 1. The U.S. pension risk transfer market is another growth channel 1.
Competition and regulation can still shape demand and pricing. U.S. reserve requirements, including Regulation XXX, call for higher reserves than GAAP, and limits on captive reinsurers after 2016 may restrict their use 1. Interest rate levels and capital markets also affect investment returns 2.
Trends
- Rising cession ratestailwind
The share of new life and health business reinsured in North America has grown after a period of decline, which could support reinsurance volumes 1.
- Pension risk transfer demandtailwind
Companies increasingly seek to reduce exposure to longevity risk, which could create opportunities for PRT and longevity transactions 1.
- Captive reinsurance restrictionsheadwind
Limits on captive reinsurers established after 2015 could raise costs or change the type of business reinsured, potentially affecting reserve financing 1.
- Investment returnsmixed
The average investment yield was 5.33% in the second quarter of 2026, with higher variable investment income helping results, though market swings could change this effect 3.
Competitive position
The company states it is the largest global life and health reinsurer by 2024 life and health reinsurance revenues, based on competitors' annual reports 1. Competitors may respond to RGA's initiatives, and financial strength ratings influence the ability to sell products and retain business 1.
Geographic diversification and the mix of traditional and financial solutions businesses are presented as competitive strengths, but pressure from competitors and clients could reduce margins or volumes 12.
- Swiss Re
Global life reinsurer named in the broader reinsurance market; the analysed sources give no further comparison.
- Munich Re
Global reinsurer competing in life and health segments; information in the analysed sources is limited.
- Hannover Re
International reinsurer active in life reinsurance; the analysed sources do not detail its competitive position.
- Other life reinsurers
Unnamed competitors referenced in annual reports can influence pricing and volumes in traditional and financial solutions segments.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Quarterly report07 Aug 2026
- Current report06 Aug 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report09 Jul 2026Departure or appointment of officers · Financial statements and exhibits
- Current report01 Jul 2026Departure or appointment of officers · Regulation FD disclosure · Financial statements and exhibits
- Current report22 Jun 2026Departure or appointment of officers · Regulation FD disclosure · Financial statements and exhibits
- Current report21 May 2026Departure or appointment of officers · Shareholder vote · Financial statements and exhibits
- Quarterly report08 May 2026
- Current report07 May 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report01 May 2026Other events · Financial statements and exhibits
- Proxy statement09 Apr 2026
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Reinsurance Group of America, Inc. · 20 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Reinsurance Group of America, Inc. · 07 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Reinsurance Group of America, Inc. · 06 Aug 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.