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MS vs. RGA: A Head-to-Head Stock Comparison

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Here’s a clear look at MS and RGA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMSRGA
Company NameMorgan StanleyReinsurance Group of America, Incorporated
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryCapital MarketsInsurance
Market Capitalization248.47 billion USD13.03 billion USD
ExchangeNYSENYSE
Listing DateFebruary 23, 1993September 12, 2008
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MS 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.

MS vs. RGA: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMSRGA
5-Day Price Return0.23%1.70%
13-Week Price Return9.96%0.96%
26-Week Price Return44.21%5.37%
52-Week Price Return44.60%-6.76%
Month-to-Date Return-2.08%2.62%
Year-to-Date Return23.81%-7.71%
10-Day Avg. Volume4.95M0.37M
3-Month Avg. Volume5.26M0.43M
3-Month Volatility17.64%24.97%
Beta1.230.58

Profitability

Return on Equity (TTM)

MS

13.95%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

MS’s Return on Equity of 13.95% 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.

MS vs. RGA: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Net Profit Margin (TTM)

MS

13.06%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

MS’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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.

MS vs. RGA: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Operating Profit Margin (TTM)

MS

17.07%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

MS’s Operating Profit Margin of 17.07% 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.

MS vs. RGA: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Profitability at a Glance

SymbolMSRGA
Return on Equity (TTM)13.95%6.78%
Return on Assets (TTM)1.15%0.62%
Net Profit Margin (TTM)13.06%3.54%
Operating Profit Margin (TTM)17.07%6.65%
Gross Profit Margin (TTM)54.42%--

Financial Strength

Current Ratio (MRQ)

MS

0.29

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.

MS vs. RGA: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MS

7.68

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.

MS vs. RGA: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

MS

1.25

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.

MS vs. RGA: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolMSRGA
Current Ratio (MRQ)0.29--
Quick Ratio (MRQ)0.29--
Debt-to-Equity Ratio (MRQ)7.680.48
Interest Coverage Ratio (TTM)1.254.70

Growth

Revenue Growth

MS vs. RGA: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MS vs. RGA: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MS

2.55%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

MS’s Dividend Yield of 2.55% 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.

MS vs. RGA: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

MS

43.20%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

MS’s Dividend Payout Ratio of 43.20% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

MS vs. RGA: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend at a Glance

SymbolMSRGA
Dividend Yield (TTM)2.55%1.80%
Dividend Payout Ratio (TTM)43.20%30.52%

Valuation

Price-to-Earnings Ratio (TTM)

MS

16.93

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

MS’s P/E Ratio of 16.93 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.

MS vs. RGA: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

MS

2.21

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, MS’s P/S Ratio of 2.21 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.

MS vs. RGA: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

MS

2.08

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

MS’s P/B Ratio of 2.08 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.

MS vs. RGA: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Valuation at a Glance

SymbolMSRGA
Price-to-Earnings Ratio (TTM)16.9316.98
Price-to-Sales Ratio (TTM)2.210.60
Price-to-Book Ratio (MRQ)2.081.09
Price-to-Free Cash Flow Ratio (TTM)11.362.66