AJG vs. RGA: Arthur J. Gallagher vs. Reinsurance Group of America Stock Comparison

Company Profile

Arthur J. Gallagher (AJG) and Reinsurance Group of America (RGA) both belong to the Insurance industry, though AJG is classified under Insurance Brokers while RGA falls under Reinsurance.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Reinsurance Group of America (RGA) at 13.85% is around its peer norm for ROE, while Arthur J. Gallagher (AJG) at 7.21% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Arthur J. Gallagher (AJG) at 10.78% and Reinsurance Group of America (RGA) at 6.26% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Arthur J. Gallagher (AJG) in Insurance and Reinsurance Group of America (RGA) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Arthur J. Gallagher (AJG) at 20.66% and Reinsurance Group of America (RGA) at 7.42% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Reinsurance Group of America (RGA) at 64.86% sits in the top EPS growth quartile, while Arthur J. Gallagher (AJG) at -11.69% is closer to the peer norm — faster per-share earnings growth for RGA.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Arthur J. Gallagher (AJG) in Insurance and Reinsurance Group of America (RGA) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Arthur J. Gallagher (AJG) in Insurance and Reinsurance Group of America (RGA) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both Arthur J. Gallagher (AJG) at 0.95% and Reinsurance Group of America (RGA) at 1.44% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Reinsurance Group of America (RGA) at 14.60% pays out a band-typical share of earnings, while Arthur J. Gallagher (AJG) at 41.98% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Reinsurance Group of America (RGA) at 10.14 is near its industry’s usual P/E ratio, while Arthur J. Gallagher (AJG) at 42.99 sits above its peer range — an unusually expensive price for AJG’s trailing earnings.

Reinsurance Group of America (RGA) at 0.62 sits in the cheaper P/S ratio quartile while Arthur J. Gallagher (AJG) at 4.58 prices above its industry range — a wide gap in sales valuation between them.

Reinsurance Group of America (RGA) at 1.46 is valued about in line with its industry on P/B ratio, while Arthur J. Gallagher (AJG) at 3.00 carries an above-peer premium to book — AJG is pricier on assets.

Valuation Metrics