RGA vs. WRB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at RGA and WRB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | RGA | WRB |
|---|---|---|
| Company Name | Reinsurance Group of America, Incorporated | W. R. Berkley Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 13.05 billion USD | 29.15 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 12, 2008 | October 23, 1973 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of RGA and WRB 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 | WRB |
|---|---|---|
| 5-Day Price Return | 3.96% | 1.10% |
| 13-Week Price Return | -0.17% | 7.51% |
| 26-Week Price Return | 0.28% | 8.01% |
| 52-Week Price Return | -9.27% | 33.37% |
| Month-to-Date Return | 2.77% | 0.31% |
| Year-to-Date Return | -7.57% | 31.34% |
| 10-Day Avg. Volume | 0.42M | 1.98M |
| 3-Month Avg. Volume | 0.43M | 1.93M |
| 3-Month Volatility | 25.48% | 16.17% |
| Beta | 0.58 | 0.40 |
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.
WRB
20.10%
Insurance Industry
- Max
- 30.96%
- Q3
- 18.76%
- Median
- 14.22%
- Q1
- 10.34%
- Min
- 1.73%
In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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.
WRB
12.32%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.69%
- Median
- 9.87%
- Q1
- 6.59%
- Min
- -3.51%
WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
WRB
16.84%
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 | WRB |
|---|---|---|
| Return on Equity (TTM) | 6.78% | 20.10% |
| Return on Assets (TTM) | 0.62% | 4.27% |
| Net Profit Margin (TTM) | 3.54% | 12.32% |
| Operating Profit Margin (TTM) | 6.65% | 16.84% |
| 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.
WRB
0.92
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.
WRB
0.31
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.
WRB
18.84
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 | WRB |
|---|---|---|
| Current Ratio (MRQ) | -- | 0.92 |
| Quick Ratio (MRQ) | -- | 0.92 |
| Debt-to-Equity Ratio (MRQ) | 0.48 | 0.31 |
| Interest Coverage Ratio (TTM) | 4.70 | 18.84 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
RGA
1.81%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
RGA’s Dividend Yield of 1.81% 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.
WRB
2.06%
Insurance Industry
- Max
- 9.80%
- Q3
- 5.18%
- Median
- 3.58%
- Q1
- 2.07%
- Min
- 0.00%
WRB’s Dividend Yield of 2.06% 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.
WRB
34.10%
Insurance Industry
- Max
- 169.40%
- Q3
- 85.57%
- Median
- 53.26%
- Q1
- 23.68%
- Min
- 0.00%
WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | RGA | WRB |
|---|---|---|
| Dividend Yield (TTM) | 1.81% | 2.06% |
| Dividend Payout Ratio (TTM) | 30.52% | 34.10% |
Valuation
Price-to-Earnings Ratio (TTM)
RGA
16.90
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
RGA’s P/E Ratio of 16.90 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.
WRB
16.52
Insurance Industry
- Max
- 30.75
- Q3
- 18.11
- Median
- 12.67
- Q1
- 9.66
- Min
- 2.87
WRB’s P/E Ratio of 16.52 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.
Price-to-Sales Ratio (TTM)
RGA
0.60
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 0.60 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.
WRB
2.04
Insurance Industry
- Max
- 3.41
- Q3
- 1.88
- Median
- 1.22
- Q1
- 0.80
- Min
- 0.23
WRB’s P/S Ratio of 2.04 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
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.
WRB
3.00
Insurance Industry
- Max
- 4.57
- Q3
- 2.56
- Median
- 1.88
- Q1
- 1.20
- Min
- 0.17
WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | RGA | WRB |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 16.90 | 16.52 |
| Price-to-Sales Ratio (TTM) | 0.60 | 2.04 |
| Price-to-Book Ratio (MRQ) | 1.09 | 3.00 |
| Price-to-Free Cash Flow Ratio (TTM) | 2.65 | 8.57 |