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RGA vs. TRV: Reinsurance Group of America vs. Travelers Stock Comparison

How do Reinsurance Group of America (RGA) and Travelers (TRV) 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

Reinsurance Group of America (RGA) and Travelers (TRV) both belong to the Insurance industry, though RGA is classified under Reinsurance while TRV falls under Property & Casualty Insurance.

Company profile comparison for Reinsurance Group of America (RGA) and Travelers (TRV)
Profile ItemRGATRV
NameReinsurance Group of America, Inc.The Travelers Companies, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryReinsuranceProperty & Casualty Insurance
Market Capitalization17.03 billion USD80.98 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 12, 2008November 17, 1975
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

RGA
TRV
GSPC
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Reinsurance Group of America (RGA) vs. Travelers (TRV), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Reinsurance Group of America (RGA) and Travelers (TRV). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Reinsurance Group of America (RGA) and Travelers (TRV). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Total Return (1Y)44.56%43.06%
Total Return (3Y, Annualized)22.51%35.01%
Total Return (5Y, Annualized)21.95%22.46%

Risk Profile

Drawdown History

RGA
TRV
GSPC
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Reinsurance Group of America (RGA) vs. Travelers (TRV), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Reinsurance Group of America (RGA) and Travelers (TRV). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Volatility (1Y, Annualized)22.31%20.86%
Beta (5Y)0.400.39
Max Drawdown (5Y)-27.11%-18.90%
Avg. Volume (3M)391.28K1.46M

Risk-Adjusted Performance

Risk-Return Positioning

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RGA and TRV are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Sharpe Ratio (1Y)1.811.86
Sortino Ratio (1Y)3.063.16

Profitability

ROE (TTM)

Travelers (TRV) at 27.50% sits in the top ROE quartile, while Reinsurance Group of America (RGA) at 13.85% is closer to the peer norm — stronger capital efficiency for TRV.

RGA

Insurance industry group

13.85%

Max
41.68%
Q3
22.04%
Median
14.81%
RGA
13.85%
Q1
8.79%
Min
-10.66%

TRV

Insurance industry group

27.50%

Max
41.68%
TRV
27.50%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both Reinsurance Group of America (RGA) at 6.26% and Travelers (TRV) at 17.03% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

RGA

Insurance industry group

6.26%

Max
29.92%
Q3
17.03%
Median
10.97%
RGA
6.26%
Q1
6.21%
Min
-4.68%

TRV

Insurance industry group

17.03%

Max
29.92%
TRV
17.03%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Reinsurance Group of America (RGA) in Insurance and Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
ROE (TTM)13.85%27.50%
ROA (TTM)1.00%4.73%
Net Margin (TTM)6.26%17.03%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Reinsurance Group of America (RGA) at 7.42% and Travelers (TRV) at 5.17% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their Revenue Growth across different time periods.

EPS Growth

Reinsurance Group of America (RGA) at 64.86% sits in the top EPS growth quartile, while Travelers (TRV) at 27.76% is closer to the peer norm — faster per-share earnings growth for RGA.

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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Revenue Growth (YoY)7.42%5.17%
Revenue Growth (3Y CAGR)14.25%9.79%
EPS Growth (YoY)64.86%27.76%
EPS Growth (3Y CAGR)32.30%32.58%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Reinsurance Group of America (RGA) in Insurance and Travelers (TRV) 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: Reinsurance Group of America (RGA) in Insurance and Travelers (TRV) 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

Financial strength metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Reinsurance Group of America (RGA) at 1.44% and Travelers (TRV) at 1.17% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

RGA

Insurance industry group

1.44%

Max
5.12%
Q3
2.15%
RGA
1.44%
Median
0.98%
Q1
0.00%
Min
0.00%

TRV

Insurance industry group

1.17%

Max
5.12%
Q3
2.15%
TRV
1.17%
Median
0.98%
Q1
0.00%
Min
0.00%
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Reinsurance Group of America (RGA) at 14.60% and Travelers (TRV) at 12.36% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

RGA

Insurance industry group

14.60%

Max
76.67%
Q3
35.18%
Median
14.74%
RGA
14.60%
Q1
0.00%
Min
0.00%

TRV

Insurance industry group

12.36%

Max
76.67%
Q3
35.18%
Median
14.74%
TRV
12.36%
Q1
0.00%
Min
0.00%
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
Dividend Yield (TTM)1.44%1.17%
Dividend Payout Ratio (TTM)14.60%12.36%

Valuation

P/E Ratio (TTM)

Both Reinsurance Group of America (RGA) at 10.14 and Travelers (TRV) at 10.39 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

RGA

Insurance industry group

10.14

Max
28.37
Q3
18.75
Median
12.23
RGA
10.14
Q1
9.08
Min
2.32

TRV

Insurance industry group

10.39

Max
28.37
Q3
18.75
Median
12.23
TRV
10.39
Q1
9.08
Min
2.32
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Reinsurance Group of America (RGA) at 0.62 sits in the cheaper P/S ratio quartile while Travelers (TRV) at 1.66 prices around its industry’s middle — RGA costs less per dollar of sales, though read it alongside growth and margins.

RGA

Insurance industry group

0.62

Max
4.03
Q3
2.25
Median
1.23
Q1
0.85
RGA
0.62
Min
0.07

TRV

Insurance industry group

1.66

Max
4.03
Q3
2.25
TRV
1.66
Median
1.23
Q1
0.85
Min
0.07
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Reinsurance Group of America (RGA) at 1.46 and Travelers (TRV) at 2.79 are valued close to their industries’ norm against book — neither stands out from peers.

RGA

Insurance industry group

1.46

Max
5.07
Q3
2.79
Median
1.76
RGA
1.46
Q1
1.23
Min
0.30

TRV

Insurance industry group

2.79

Max
5.07
TRV
2.79
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
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Reinsurance Group of America (RGA) vs. Travelers (TRV): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Reinsurance Group of America (RGA) and Travelers (TRV)
MetricRGATRV
P/E Ratio (TTM)10.1410.39
P/S Ratio (TTM)0.621.66
P/B Ratio (MRQ)1.462.79
Free Cash Flow Yield (TTM)----