RGA vs. RJF: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at RGA and RJF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | RGA | RJF |
|---|---|---|
| Company Name | Reinsurance Group of America, Incorporated | Raymond James Financial, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Capital Markets |
| Market Capitalization | 12.72 billion USD | 32.39 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 12, 2008 | July 1, 1983 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of RGA and RJF 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 | RGA | RJF |
|---|---|---|
| 5-Day Price Return | 1.68% | -1.34% |
| 13-Week Price Return | -8.25% | 5.63% |
| 26-Week Price Return | -5.92% | 1.30% |
| 52-Week Price Return | -7.77% | 40.14% |
| Month-to-Date Return | -0.03% | -2.79% |
| Year-to-Date Return | -9.94% | 4.60% |
| 10-Day Avg. Volume | 0.41M | 0.98M |
| 3-Month Avg. Volume | 0.42M | 1.14M |
| 3-Month Volatility | 26.32% | 20.75% |
| Beta | 0.63 | 1.08 |
Profitability
Return on Equity (TTM)
RGA
6.78%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
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.
RJF
17.75%
Capital Markets Industry
- Max
- 38.97%
- Q3
- 21.61%
- Median
- 13.77%
- Q1
- 8.31%
- Min
- -4.25%
RJF’s Return on Equity of 17.75% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
RGA
3.54%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
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.
RJF
13.56%
Capital Markets Industry
- Max
- 66.67%
- Q3
- 35.11%
- Median
- 23.49%
- Q1
- 13.63%
- Min
- -15.18%
Falling into the lower quartile for the Capital Markets industry, RJF’s Net Profit Margin of 13.56% 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)
RGA
6.65%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
RJF
17.44%
Capital Markets Industry
- Max
- 86.40%
- Q3
- 46.46%
- Median
- 32.80%
- Q1
- 18.32%
- Min
- -21.87%
RJF’s Operating Profit Margin of 17.44% 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.
Profitability at a Glance
| Symbol | RGA | RJF |
|---|---|---|
| Return on Equity (TTM) | 6.78% | 17.75% |
| Return on Assets (TTM) | 0.62% | 2.56% |
| Net Profit Margin (TTM) | 3.54% | 13.56% |
| Operating Profit Margin (TTM) | 6.65% | 17.44% |
| Gross Profit Margin (TTM) | -- | 85.42% |
Financial Strength
Current Ratio (MRQ)
RGA
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
RJF
0.26
Capital Markets Industry
- Max
- 3.76
- Q3
- 1.89
- Median
- 1.01
- Q1
- 0.54
- Min
- -0.41
For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
RGA
0.48
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
RJF
4.98
Capital Markets Industry
- Max
- 6.62
- Q3
- 2.84
- Median
- 1.02
- Q1
- 0.32
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.
Interest Coverage Ratio (TTM)
RGA
4.70
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
RJF
--
Capital Markets Industry
- Max
- 126.03
- Q3
- 60.98
- Median
- 11.77
- Q1
- 4.95
- Min
- -36.26
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.
Financial Strength at a Glance
| Symbol | RGA | RJF |
|---|---|---|
| Current Ratio (MRQ) | -- | 0.26 |
| Quick Ratio (MRQ) | -- | 0.26 |
| Debt-to-Equity Ratio (MRQ) | 0.48 | 4.98 |
| Interest Coverage Ratio (TTM) | 4.70 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
RGA
1.86%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
RGA’s Dividend Yield of 1.86% 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.
RJF
1.25%
Capital Markets Industry
- Max
- 10.26%
- Q3
- 4.86%
- Median
- 2.78%
- Q1
- 1.22%
- Min
- 0.00%
RJF’s Dividend Yield of 1.25% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
RGA
30.52%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- 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.
RJF
19.17%
Capital Markets Industry
- Max
- 200.72%
- Q3
- 101.92%
- Median
- 57.97%
- Q1
- 32.36%
- Min
- 0.00%
RJF’s Dividend Payout Ratio of 19.17% 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.
Dividend at a Glance
| Symbol | RGA | RJF |
|---|---|---|
| Dividend Yield (TTM) | 1.86% | 1.25% |
| Dividend Payout Ratio (TTM) | 30.52% | 19.17% |
Valuation
Price-to-Earnings Ratio (TTM)
RGA
16.43
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
RGA’s P/E Ratio of 16.43 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.
RJF
15.31
Capital Markets Industry
- Max
- 58.89
- Q3
- 31.00
- Median
- 18.54
- Q1
- 12.09
- Min
- 5.24
RJF’s P/E Ratio of 15.31 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.
Price-to-Sales Ratio (TTM)
RGA
0.58
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
In the lower quartile for the Insurance industry, RGA’s P/S Ratio of 0.58 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.
RJF
2.08
Capital Markets Industry
- Max
- 14.49
- Q3
- 7.41
- Median
- 4.68
- Q1
- 2.25
- Min
- 0.04
In the lower quartile for the Capital Markets industry, RJF’s P/S Ratio of 2.08 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)
RGA
1.09
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
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.
RJF
2.52
Capital Markets Industry
- Max
- 9.48
- Q3
- 4.94
- Median
- 2.42
- Q1
- 1.21
- Min
- 0.38
RJF’s P/B Ratio of 2.52 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.
Valuation at a Glance
| Symbol | RGA | RJF |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 16.43 | 15.31 |
| Price-to-Sales Ratio (TTM) | 0.58 | 2.08 |
| Price-to-Book Ratio (MRQ) | 1.09 | 2.52 |
| Price-to-Free Cash Flow Ratio (TTM) | 2.57 | 16.71 |