RGA vs. RNR: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at RGA and RNR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | RGA | RNR |
|---|---|---|
| Company Name | Reinsurance Group of America, Incorporated | RenaissanceRe Holdings Ltd. |
| Country | United States | Bermuda |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 12.78 billion USD | 12.07 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 12, 2008 | July 27, 1995 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of RGA and RNR 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 | RNR |
|---|---|---|
| 5-Day Price Return | 2.74% | 1.40% |
| 13-Week Price Return | -2.94% | 4.54% |
| 26-Week Price Return | -3.93% | 3.95% |
| 52-Week Price Return | -11.24% | -5.74% |
| Month-to-Date Return | 0.65% | 4.50% |
| Year-to-Date Return | -9.48% | 2.06% |
| 10-Day Avg. Volume | 0.59M | 0.48M |
| 3-Month Avg. Volume | 0.43M | 0.43M |
| 3-Month Volatility | 25.41% | 19.94% |
| Beta | 0.58 | 0.27 |
Profitability
Return on Equity (TTM)
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.
RNR
18.60%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
RNR’s Return on Equity of 18.60% is on par with the norm for the Insurance 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
- 14.69%
- 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.
RNR
15.97%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
A Net Profit Margin of 15.97% places RNR in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
Operating Profit Margin (TTM)
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.
RNR
20.72%
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 | RGA | RNR |
|---|---|---|
| Return on Equity (TTM) | 6.78% | 18.60% |
| Return on Assets (TTM) | 0.62% | 3.77% |
| Net Profit Margin (TTM) | 3.54% | 15.97% |
| Operating Profit Margin (TTM) | 6.65% | 20.72% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
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.
RNR
0.57
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)
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.
RNR
0.21
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)
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.
RNR
11.16
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 | RGA | RNR |
|---|---|---|
| Current Ratio (MRQ) | -- | 0.57 |
| Quick Ratio (MRQ) | -- | 0.57 |
| Debt-to-Equity Ratio (MRQ) | 0.48 | 0.21 |
| Interest Coverage Ratio (TTM) | 4.70 | 11.16 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
RGA
1.84%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
RGA’s Dividend Yield of 1.84% 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.
RNR
0.94%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
RNR’s Dividend Yield of 0.94% 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)
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.
RNR
3.90%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
RNR’s Dividend Payout Ratio of 3.90% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | RGA | RNR |
|---|---|---|
| Dividend Yield (TTM) | 1.84% | 0.94% |
| Dividend Payout Ratio (TTM) | 30.52% | 3.90% |
Valuation
Price-to-Earnings Ratio (TTM)
RGA
16.61
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
RGA’s P/E Ratio of 16.61 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.
RNR
6.09
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
In the lower quartile for the Insurance industry, RNR’s P/E Ratio of 6.09 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
RGA
0.59
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 0.59 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.
RNR
0.97
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
RNR’s P/S Ratio of 0.97 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
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.
RNR
1.09
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
RNR’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 | RGA | RNR |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 16.61 | 6.09 |
| Price-to-Sales Ratio (TTM) | 0.59 | 0.97 |
| Price-to-Book Ratio (MRQ) | 1.09 | 1.09 |
| Price-to-Free Cash Flow Ratio (TTM) | 2.60 | 3.12 |