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RGA vs. UNM: Reinsurance Group of America vs. Unum Stock Comparison

How do Reinsurance Group of America (RGA) and Unum (UNM) 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 Unum (UNM) both belong to the Insurance industry, though RGA is classified under Reinsurance while UNM falls under Life & Health Insurance.

Company profile comparison for Reinsurance Group of America (RGA) and Unum (UNM)
Profile ItemRGAUNM
NameReinsurance Group of America, Inc.Unum Group
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryReinsuranceLife & Health Insurance
Market Capitalization17.03 billion USD11.89 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 12, 2008November 6, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

RGA
UNM
GSPC
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Reinsurance Group of America (RGA) vs. Unum (UNM), 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 Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Reinsurance Group of America (RGA) and Unum (UNM). 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 Unum (UNM)
MetricRGAUNM
Total Return (1Y)44.56%4.52%
Total Return (3Y, Annualized)22.51%25.65%
Total Return (5Y, Annualized)21.95%29.12%

Risk Profile

Drawdown History

RGA
UNM
GSPC
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Reinsurance Group of America (RGA) vs. Unum (UNM), 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 Unum (UNM). 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 Unum (UNM)
MetricRGAUNM
Volatility (1Y, Annualized)22.31%29.31%
Beta (5Y)0.400.28
Max Drawdown (5Y)-27.11%-23.00%
Avg. Volume (3M)391.28K1.86M

Risk-Adjusted Performance

Risk-Return Positioning

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RGA and UNM 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 Unum (UNM)
MetricRGAUNM
Sharpe Ratio (1Y)1.810.01
Sortino Ratio (1Y)3.060.01

Profitability

ROE (TTM)

Reinsurance Group of America (RGA) at 13.85% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

RGA

Insurance industry group

13.85%

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

UNM

Insurance industry group

2.25%

Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
UNM
2.25%
Min
-10.66%
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Reinsurance Group of America (RGA) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Reinsurance Group of America (RGA) at 6.26% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.

RGA

Insurance industry group

6.26%

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

UNM

Insurance industry group

1.94%

Max
29.92%
Q3
17.03%
Median
10.97%
Q1
6.21%
UNM
1.94%
Min
-4.68%
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Reinsurance Group of America (RGA) vs. Unum (UNM): 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 Unum (UNM) 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 Unum (UNM)
MetricRGAUNM
ROE (TTM)13.85%2.25%
ROA (TTM)1.00%0.51%
Net Margin (TTM)6.26%1.94%
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 Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Reinsurance Group of America (RGA) vs. Unum (UNM): 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 Unum (UNM) at -54.86% is in the bottom quartile, showing a clear gap in earnings momentum.

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

Growth Metrics

Growth metrics for Reinsurance Group of America (RGA) and Unum (UNM)
MetricRGAUNM
Revenue Growth (YoY)7.42%1.52%
Revenue Growth (3Y CAGR)14.25%3.02%
EPS Growth (YoY)64.86%-54.86%
EPS Growth (3Y CAGR)32.30%-13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Reinsurance Group of America (RGA) in Insurance and Unum (UNM) 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 Unum (UNM) 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 Unum (UNM)
MetricRGAUNM
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Unum (UNM) at 2.61% 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, UNM the richer one.

RGA

Insurance industry group

1.44%

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

UNM

Insurance industry group

2.61%

Max
5.12%
UNM
2.61%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%
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Reinsurance Group of America (RGA) vs. Unum (UNM): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Reinsurance Group of America (RGA) reports 14.60%, ranking against industry peers normally.

RGA

Insurance industry group

14.60%

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

UNM

Insurance industry group

128.23%

UNM
128.23%
Max
76.67%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
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Reinsurance Group of America (RGA) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Reinsurance Group of America (RGA) and Unum (UNM)
MetricRGAUNM
Dividend Yield (TTM)1.44%2.61%
Dividend Payout Ratio (TTM)14.60%128.23%

Valuation

P/E Ratio (TTM)

Reinsurance Group of America (RGA) at 10.14 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.

RGA

Insurance industry group

10.14

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

UNM

Insurance industry group

52.21

UNM
52.21
Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
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Reinsurance Group of America (RGA) vs. Unum (UNM): 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 Unum (UNM) at 0.95 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

UNM

Insurance industry group

0.95

Max
4.03
Q3
2.25
Median
1.23
UNM
0.95
Q1
0.85
Min
0.07
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Reinsurance Group of America (RGA) vs. Unum (UNM): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Reinsurance Group of America (RGA) at 1.46 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.

RGA

Insurance industry group

1.46

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

UNM

Insurance industry group

1.11

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
UNM
1.11
Min
0.30
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Reinsurance Group of America (RGA) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Reinsurance Group of America (RGA) and Unum (UNM)
MetricRGAUNM
P/E Ratio (TTM)10.1452.21
P/S Ratio (TTM)0.620.95
P/B Ratio (MRQ)1.461.11
Free Cash Flow Yield (TTM)----