ALL vs. RGA: Allstate vs. Reinsurance Group of America Stock Comparison

Company Profile

Allstate (ALL) and Reinsurance Group of America (RGA) both belong to the Insurance industry, though ALL is classified under Property & Casualty Insurance 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

Allstate (ALL) at 38.93% sits in the top ROE quartile, while Reinsurance Group of America (RGA) at 13.85% is closer to the peer norm — stronger capital efficiency for ALL.

Both Allstate (ALL) at 16.57% 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 Allstate (ALL) 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 Allstate (ALL) at 5.60% 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.

Both Allstate (ALL) at 124.01% and Reinsurance Group of America (RGA) at 64.86% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Allstate (ALL) 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: Allstate (ALL) 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 Allstate (ALL) at 1.59% and Reinsurance Group of America (RGA) at 1.44% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Allstate (ALL) at 9.62% and Reinsurance Group of America (RGA) at 14.60% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Allstate (ALL) at 5.78 sits in the cheaper P/E ratio quartile, while Reinsurance Group of America (RGA) at 10.14 is closer to its industry’s usual earnings multiple — a discount for ALL, though growth and earnings durability still matter.

Reinsurance Group of America (RGA) at 0.62 sits in the cheaper P/S ratio quartile while Allstate (ALL) at 0.90 prices around its industry’s middle — RGA costs less per dollar of sales, though read it alongside growth and margins.

On P/B ratio, both Allstate (ALL) at 2.09 and Reinsurance Group of America (RGA) at 1.46 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics