RGA vs. WTW: Reinsurance Group of America vs. Willis Towers Watson Stock Comparison
How do Reinsurance Group of America (RGA) and Willis Towers Watson (WTW) 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 Willis Towers Watson (WTW) both belong to the Insurance industry, though RGA is classified under Reinsurance while WTW falls under Insurance Brokers.
| Profile Item | RGA | WTW |
|---|---|---|
| Name | Reinsurance Group of America, Inc. | Willis Towers Watson Public Limited Company |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Reinsurance | Insurance Brokers |
| Market Capitalization | 17.03 billion USD | 30.33 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 12, 2008 | June 12, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RGA | WTW |
|---|---|---|
| Total Return (1Y) | 44.56% | 2.59% |
| Total Return (3Y, Annualized) | 22.51% | 12.90% |
| Total Return (5Y, Annualized) | 21.95% | 8.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RGA | WTW |
|---|---|---|
| Volatility (1Y, Annualized) | 22.31% | 31.09% |
| Beta (5Y) | 0.40 | 0.42 |
| Max Drawdown (5Y) | -27.11% | -30.39% |
| Avg. Volume (3M) | 391.28K | 537.05K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RGA | WTW |
|---|---|---|
| Sharpe Ratio (1Y) | 1.81 | -0.05 |
| Sortino Ratio (1Y) | 3.06 | -0.07 |
Profitability
ROE (TTM)
Both Reinsurance Group of America (RGA) at 13.85% and Willis Towers Watson (WTW) at 20.18% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
RGA
Insurance industry group
13.85%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- RGA
- 13.85%
- Q1
- 8.79%
- Min
- -10.66%
WTW
Insurance industry group
20.18%
- Max
- 41.68%
- Q3
- 22.04%
- WTW
- 20.18%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Reinsurance Group of America (RGA) at 6.26% and Willis Towers Watson (WTW) at 15.22% 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%
WTW
Insurance industry group
15.22%
- Max
- 29.92%
- Q3
- 17.03%
- WTW
- 15.22%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Reinsurance Group of America (RGA) in Insurance and Willis Towers Watson (WTW) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | RGA | WTW |
|---|---|---|
| ROE (TTM) | 13.85% | 20.18% |
| ROA (TTM) | 1.00% | 5.35% |
| Net Margin (TTM) | 6.26% | 15.22% |
| 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 Willis Towers Watson (WTW) at -2.24% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Only one side can be read here: Reinsurance Group of America (RGA) reports EPS growth of 64.86%, ranked against its industry; Willis Towers Watson (WTW) has no EPS growth figure this period.
Growth Metrics
| Metric | RGA | WTW |
|---|---|---|
| Revenue Growth (YoY) | 7.42% | -2.24% |
| Revenue Growth (3Y CAGR) | 14.25% | 3.07% |
| EPS Growth (YoY) | 64.86% | -- |
| EPS Growth (3Y CAGR) | 32.30% | 21.88% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Reinsurance Group of America (RGA) in Insurance and Willis Towers Watson (WTW) 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 Willis Towers Watson (WTW) 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
| Metric | RGA | WTW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Reinsurance Group of America (RGA) at 1.44% and Willis Towers Watson (WTW) at 0.29% 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%
WTW
Insurance industry group
0.29%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- WTW
- 0.29%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Reinsurance Group of America (RGA) at 14.60% and Willis Towers Watson (WTW) at 23.34% 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%
WTW
Insurance industry group
23.34%
- Max
- 76.67%
- Q3
- 35.18%
- WTW
- 23.34%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | RGA | WTW |
|---|---|---|
| Dividend Yield (TTM) | 1.44% | 0.29% |
| Dividend Payout Ratio (TTM) | 14.60% | 23.34% |
Valuation
P/E Ratio (TTM)
Reinsurance Group of America (RGA) at 10.14 is near its industry’s usual P/E ratio, while Willis Towers Watson (WTW) at 20.20 sits in the richer quartile — WTW needs stronger growth or earnings quality to justify the premium.
RGA
Insurance industry group
10.14
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- RGA
- 10.14
- Q1
- 9.08
- Min
- 2.32
WTW
Insurance industry group
20.20
- Max
- 28.37
- WTW
- 20.20
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Reinsurance Group of America (RGA) at 0.62 looks cheap on sales in the lower P/S ratio quartile, while Willis Towers Watson (WTW) at 2.95 looks rich in the upper quartile — a clear gap in price per dollar of revenue.
RGA
Insurance industry group
0.62
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- RGA
- 0.62
- Min
- 0.07
WTW
Insurance industry group
2.95
- Max
- 4.03
- WTW
- 2.95
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Reinsurance Group of America (RGA) at 1.46 is valued about in line with its industry on P/B ratio, while Willis Towers Watson (WTW) at 3.91 carries an above-peer premium to book — WTW is pricier on assets.
RGA
Insurance industry group
1.46
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- RGA
- 1.46
- Q1
- 1.23
- Min
- 0.30
WTW
Insurance industry group
3.91
- Max
- 5.07
- WTW
- 3.91
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | RGA | WTW |
|---|---|---|
| P/E Ratio (TTM) | 10.14 | 20.20 |
| P/S Ratio (TTM) | 0.62 | 2.95 |
| P/B Ratio (MRQ) | 1.46 | 3.91 |
| Free Cash Flow Yield (TTM) | -- | -- |