FNF vs. RGA: Fidelity National Financial vs. Reinsurance Group of America Stock Comparison

Company Profile

Fidelity National Financial (FNF) and Reinsurance Group of America (RGA) both belong to the Insurance industry, though FNF 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

Both Fidelity National Financial (FNF) at 15.10% and Reinsurance Group of America (RGA) at 13.85% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Fidelity National Financial (FNF) at 7.00% 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 Fidelity National Financial (FNF) 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 Fidelity National Financial (FNF) at 5.88% 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 Fidelity National Financial (FNF) at -52.47% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Fidelity National Financial (FNF) 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: Fidelity National Financial (FNF) 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

Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Reinsurance Group of America (RGA) at 1.44% pays a more typical yield — both are credible income propositions, FNF the richer one.

Reinsurance Group of America (RGA) at 14.60% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Fidelity National Financial (FNF) at 11.21 and Reinsurance Group of America (RGA) at 10.14 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Both Fidelity National Financial (FNF) at 0.79 and Reinsurance Group of America (RGA) at 0.62 fetch a relatively low price per dollar of sales, landing in the cheaper P/S ratio quartile of their industries.

On P/B ratio, both Fidelity National Financial (FNF) at 1.59 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