PRU vs. RGA: Prudential Financial vs. Reinsurance Group of America Stock Comparison
How do Prudential Financial (PRU) 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
Prudential Financial (PRU) and Reinsurance Group of America (RGA) both belong to the Insurance industry, though PRU is classified under Life & Health Insurance while RGA falls under Reinsurance.
| Profile Item | PRU | RGA |
|---|---|---|
| Name | Prudential Financial, 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 | 40.90 billion USD | 17.03 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 13, 2001 | September 12, 2008 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | PRU | RGA |
|---|---|---|
| Total Return (1Y) | 22.01% | 44.56% |
| Total Return (3Y, Annualized) | 16.20% | 22.51% |
| Total Return (5Y, Annualized) | 7.56% | 21.95% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | PRU | RGA |
|---|---|---|
| Volatility (1Y, Annualized) | 23.92% | 22.31% |
| Beta (5Y) | 0.82 | 0.40 |
| Max Drawdown (5Y) | -33.11% | -27.11% |
| Avg. Volume (3M) | 1.65M | 391.28K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | PRU | RGA |
|---|---|---|
| Sharpe Ratio (1Y) | 0.74 | 1.81 |
| Sortino Ratio (1Y) | 1.05 | 3.06 |
Profitability
ROE (TTM)
Both Prudential Financial (PRU) at 11.86% 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.
PRU
Insurance industry group
11.86%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- PRU
- 11.86%
- 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)
Both Prudential Financial (PRU) at 6.27% 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.
PRU
Insurance industry group
6.27%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- PRU
- 6.27%
- 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 Prudential Financial (PRU) 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 | PRU | RGA |
|---|---|---|
| ROE (TTM) | 11.86% | 13.85% |
| ROA (TTM) | 0.42% | 1.00% |
| Net Margin (TTM) | 6.27% | 6.26% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Reinsurance Group of America (RGA) at 7.42% is around its peer norm for revenue growth, while Prudential Financial (PRU) at -13.74% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Reinsurance Group of America (RGA) at 64.86% sits in the top EPS growth quartile, while Prudential Financial (PRU) at 33.20% is closer to the peer norm — faster per-share earnings growth for RGA.
Growth Metrics
| Metric | PRU | RGA |
|---|---|---|
| Revenue Growth (YoY) | -13.74% | 7.42% |
| Revenue Growth (3Y CAGR) | 2.28% | 14.25% |
| EPS Growth (YoY) | 33.20% | 64.86% |
| EPS Growth (3Y CAGR) | -- | 32.30% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Prudential Financial (PRU) 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: Prudential Financial (PRU) 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 | PRU | RGA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Prudential Financial (PRU) at 4.53% 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, PRU the richer one.
PRU
Insurance industry group
4.53%
- Max
- 5.12%
- PRU
- 4.53%
- Q3
- 2.15%
- Median
- 0.98%
- 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)
Reinsurance Group of America (RGA) at 14.60% pays out a band-typical share of earnings, while Prudential Financial (PRU) at 50.55% distributes more than its industry norm — less retained, thinner cover.
PRU
Insurance industry group
50.55%
- Max
- 76.67%
- PRU
- 50.55%
- Q3
- 35.18%
- Median
- 14.74%
- 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 | PRU | RGA |
|---|---|---|
| Dividend Yield (TTM) | 4.53% | 1.44% |
| Dividend Payout Ratio (TTM) | 50.55% | 14.60% |
Valuation
P/E Ratio (TTM)
Both Prudential Financial (PRU) at 10.86 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.
PRU
Insurance industry group
10.86
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- PRU
- 10.86
- 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)
Both Prudential Financial (PRU) at 0.66 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.
PRU
Insurance industry group
0.66
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- PRU
- 0.66
- 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 Prudential Financial (PRU) at 1.39 and Reinsurance Group of America (RGA) at 1.46 are valued close to their industries’ norm against book — neither stands out from peers.
PRU
Insurance industry group
1.39
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- PRU
- 1.39
- 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 | PRU | RGA |
|---|---|---|
| P/E Ratio (TTM) | 10.86 | 10.14 |
| P/S Ratio (TTM) | 0.66 | 0.62 |
| P/B Ratio (MRQ) | 1.39 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |