GL vs. RGA: Globe Life vs. Reinsurance Group of America Stock Comparison
How do Globe Life (GL) and Reinsurance Group of America (RGA) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Globe Life (GL) and Reinsurance Group of America (RGA) both belong to the Insurance industry, though GL is classified under Life & Health Insurance while RGA falls under Reinsurance.
| Profile Item | GL | RGA |
|---|---|---|
| Name | Globe Life Inc. | Reinsurance Group of America, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Reinsurance |
| Market Capitalization | 11.86 billion USD | 17.03 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 1, 1980 | September 12, 2008 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | GL | RGA |
|---|---|---|
| Total Return (1Y) | 22.37% | 44.56% |
| Total Return (3Y, Annualized) | 12.75% | 22.51% |
| Total Return (5Y, Annualized) | 12.63% | 21.95% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | GL | RGA |
|---|---|---|
| Volatility (1Y, Annualized) | 21.23% | 22.31% |
| Beta (5Y) | 0.46 | 0.40 |
| Max Drawdown (5Y) | -61.62% | -27.11% |
| Avg. Volume (3M) | 504.63K | 391.28K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | GL | RGA |
|---|---|---|
| Sharpe Ratio (1Y) | 0.85 | 1.81 |
| Sortino Ratio (1Y) | 1.13 | 3.06 |
Profitability
ROE (TTM)
Both Globe Life (GL) at 19.26% 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.
GL
Insurance industry group
19.26%
- Max
- 41.68%
- Q3
- 22.04%
- GL
- 19.26%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
RGA
Insurance industry group
13.85%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- RGA
- 13.85%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Globe Life (GL) at 18.89% retains a top-quartile share of revenue as profit, ahead of Reinsurance Group of America (RGA) at 6.26%, which keeps about the industry-typical share.
GL
Insurance industry group
18.89%
- Max
- 29.92%
- GL
- 18.89%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
RGA
Insurance industry group
6.26%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- RGA
- 6.26%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Globe Life (GL) 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
| Metric | GL | RGA |
|---|---|---|
| ROE (TTM) | 19.26% | 13.85% |
| ROA (TTM) | 3.32% | 1.00% |
| Net Margin (TTM) | 18.89% | 6.26% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Globe Life (GL) at 3.74% 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.
EPS Growth
Reinsurance Group of America (RGA) at 64.86% sits in the top EPS growth quartile, while Globe Life (GL) at 17.84% is closer to the peer norm — faster per-share earnings growth for RGA.
Growth Metrics
| Metric | GL | RGA |
|---|---|---|
| Revenue Growth (YoY) | 3.74% | 7.42% |
| Revenue Growth (3Y CAGR) | 4.67% | 14.25% |
| EPS Growth (YoY) | 17.84% | 64.86% |
| EPS Growth (3Y CAGR) | 23.50% | 32.30% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Globe Life (GL) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Globe Life (GL) 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
| Metric | GL | RGA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Globe Life (GL) at 0.79% and Reinsurance Group of America (RGA) at 1.44% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
GL
Insurance industry group
0.79%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- GL
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
RGA
Insurance industry group
1.44%
- Max
- 5.12%
- Q3
- 2.15%
- RGA
- 1.44%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Globe Life (GL) at 8.43% 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.
GL
Insurance industry group
8.43%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- GL
- 8.43%
- Q1
- 0.00%
- Min
- 0.00%
RGA
Insurance industry group
14.60%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- RGA
- 14.60%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | GL | RGA |
|---|---|---|
| Dividend Yield (TTM) | 0.79% | 1.44% |
| Dividend Payout Ratio (TTM) | 8.43% | 14.60% |
Valuation
P/E Ratio (TTM)
Both Globe Life (GL) at 10.52 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.
GL
Insurance industry group
10.52
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- GL
- 10.52
- Q1
- 9.08
- Min
- 2.32
RGA
Insurance industry group
10.14
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- RGA
- 10.14
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Reinsurance Group of America (RGA) at 0.62 sits in the cheaper P/S ratio quartile while Globe Life (GL) at 1.89 prices around its industry’s middle — RGA costs less per dollar of sales, though read it alongside growth and margins.
GL
Insurance industry group
1.89
- Max
- 4.03
- Q3
- 2.25
- GL
- 1.89
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
RGA
Insurance industry group
0.62
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- RGA
- 0.62
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Globe Life (GL) at 1.81 and Reinsurance Group of America (RGA) at 1.46 are valued close to their industries’ norm against book — neither stands out from peers.
GL
Insurance industry group
1.81
- Max
- 5.07
- Q3
- 2.79
- GL
- 1.81
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
RGA
Insurance industry group
1.46
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- RGA
- 1.46
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | GL | RGA |
|---|---|---|
| P/E Ratio (TTM) | 10.52 | 10.14 |
| P/S Ratio (TTM) | 1.89 | 0.62 |
| P/B Ratio (MRQ) | 1.81 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |