GS vs. RGA: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at GS and RGA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | GS | RGA |
|---|---|---|
| Company Name | The Goldman Sachs Group, Inc. | Reinsurance Group of America, Incorporated |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Capital Markets | Insurance |
| Market Capitalization | 235.07 billion USD | 13.03 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | May 4, 1999 | September 12, 2008 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of GS and RGA by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | GS | RGA |
|---|---|---|
| 5-Day Price Return | -0.37% | 1.70% |
| 13-Week Price Return | 11.48% | 0.96% |
| 26-Week Price Return | 51.89% | 5.37% |
| 52-Week Price Return | 56.99% | -6.76% |
| Month-to-Date Return | -2.49% | 2.62% |
| Year-to-Date Return | 35.61% | -7.71% |
| 10-Day Avg. Volume | 1.62M | 0.37M |
| 3-Month Avg. Volume | 1.92M | 0.43M |
| 3-Month Volatility | 20.42% | 24.97% |
| Beta | 1.38 | 0.58 |
Profitability
Return on Equity (TTM)
GS
12.67%
Capital Markets Industry
- Max
- 38.97%
- Q3
- 22.24%
- Median
- 13.52%
- Q1
- 8.61%
- Min
- -4.25%
GS’s Return on Equity of 12.67% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.
RGA
6.78%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
RGA’s Return on Equity of 6.78% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
Net Profit Margin (TTM)
GS
12.29%
Capital Markets Industry
- Max
- 69.91%
- Q3
- 37.24%
- Median
- 24.30%
- Q1
- 13.06%
- Min
- -15.18%
Falling into the lower quartile for the Capital Markets industry, GS’s Net Profit Margin of 12.29% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
RGA
3.54%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
Falling into the lower quartile for the Insurance industry, RGA’s Net Profit Margin of 3.54% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin (TTM)
GS
15.68%
Capital Markets Industry
- Max
- 84.86%
- Q3
- 47.16%
- Median
- 32.23%
- Q1
- 18.65%
- Min
- -21.87%
GS’s Operating Profit Margin of 15.68% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
RGA
6.65%
Insurance Industry
- Max
- 34.52%
- Q3
- 20.17%
- Median
- 14.46%
- Q1
- 9.62%
- Min
- -2.51%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | GS | RGA |
|---|---|---|
| Return on Equity (TTM) | 12.67% | 6.78% |
| Return on Assets (TTM) | 0.89% | 0.62% |
| Net Profit Margin (TTM) | 12.29% | 3.54% |
| Operating Profit Margin (TTM) | 15.68% | 6.65% |
| Gross Profit Margin (TTM) | 38.58% | -- |
Financial Strength
Current Ratio (MRQ)
GS
0.30
Capital Markets Industry
- Max
- 3.37
- Q3
- 1.81
- Median
- 1.01
- Q1
- 0.56
- Min
- 0.04
For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
RGA
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.37
- Median
- 0.54
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
GS
9.08
Capital Markets Industry
- Max
- 6.52
- Q3
- 2.79
- Median
- 0.96
- Q1
- 0.28
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.
RGA
0.48
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.23
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
GS
--
Capital Markets Industry
- Max
- 107.59
- Q3
- 48.41
- Median
- 10.85
- Q1
- 4.56
- Min
- -36.26
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.
RGA
4.70
Insurance Industry
- Max
- 43.68
- Q3
- 21.45
- Median
- 9.67
- Q1
- 3.55
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | GS | RGA |
|---|---|---|
| Current Ratio (MRQ) | 0.30 | -- |
| Quick Ratio (MRQ) | 0.30 | -- |
| Debt-to-Equity Ratio (MRQ) | 9.08 | 0.48 |
| Interest Coverage Ratio (TTM) | -- | 4.70 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
GS
1.97%
Capital Markets Industry
- Max
- 9.02%
- Q3
- 4.54%
- Median
- 2.55%
- Q1
- 1.27%
- Min
- 0.00%
GS’s Dividend Yield of 1.97% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.
RGA
1.80%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
RGA’s Dividend Yield of 1.80% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
GS
29.94%
Capital Markets Industry
- Max
- 199.38%
- Q3
- 99.28%
- Median
- 60.67%
- Q1
- 32.00%
- Min
- 0.00%
GS’s Dividend Payout Ratio of 29.94% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
RGA
30.52%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
RGA’s Dividend Payout Ratio of 30.52% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | GS | RGA |
|---|---|---|
| Dividend Yield (TTM) | 1.97% | 1.80% |
| Dividend Payout Ratio (TTM) | 29.94% | 30.52% |
Valuation
Price-to-Earnings Ratio (TTM)
GS
15.19
Capital Markets Industry
- Max
- 51.69
- Q3
- 29.42
- Median
- 17.58
- Q1
- 12.55
- Min
- 5.59
GS’s P/E Ratio of 15.19 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
RGA
16.98
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
RGA’s P/E Ratio of 16.98 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
GS
1.87
Capital Markets Industry
- Max
- 14.65
- Q3
- 7.29
- Median
- 4.53
- Q1
- 2.26
- Min
- 0.04
In the lower quartile for the Capital Markets industry, GS’s P/S Ratio of 1.87 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
RGA
0.60
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
In the lower quartile for the Insurance industry, RGA’s P/S Ratio of 0.60 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
Price-to-Book Ratio (MRQ)
GS
1.75
Capital Markets Industry
- Max
- 10.83
- Q3
- 5.12
- Median
- 2.66
- Q1
- 1.19
- Min
- 0.37
GS’s P/B Ratio of 1.75 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
RGA
1.09
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
RGA’s P/B Ratio of 1.09 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | GS | RGA |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 15.19 | 16.98 |
| Price-to-Sales Ratio (TTM) | 1.87 | 0.60 |
| Price-to-Book Ratio (MRQ) | 1.75 | 1.09 |
| Price-to-Free Cash Flow Ratio (TTM) | 4.60 | 2.66 |