RGA vs Franklin Templeton

RGA and Franklin Templeton are examined side by side, with a focus on their business models, financial performance, and the market context in which they operate. This page presents neutral, accessible analysis to help readers understand differences and similarities without endorsement or prediction. Educational content, not financial advice.

RGA and Franklin Templeton are examined side by side, with a focus on their business models, financial performance, and the market context in which they operate. This page presents neutral, accessible...

About The Companies

RGA (RGA)

Reinsurance Group of America (RGA) is a global life and health reinsurance company that provides risk-transfer solutions and capital management services to insurers. With a market capitalisation of about $12.52B, RGA specialises in mortality, longevity and morbidity risk, using actuarial expertise and analytics to price and manage long‑dated exposures. Investors should note its sensitivity to interest rates, credit markets and claims experience — favourable investment returns and lower-than-expected claims can boost results, while adverse mortality trends, large claims events or capital market stress can weigh on profitability. RGA emphasises capital management and risk diversification across products and geographies, but underwriting and reserving judgement remain key drivers of outcomes. This summary is for educational purposes only and not personalised advice; all investing carries risk, values can fall as well as rise, and past performance does not guarantee future returns. Consider your own objectives, time horizon and risk tolerance or consult a regulated adviser before acting.

Franklin Templeton (BEN)

Franklin Resources Inc. (ticker: BEN) is a US-based global investment manager operating under the Franklin Templeton brand. The firm offers mutual funds, exchange-traded funds, institutional strategies and wealth management services across equities, fixed income and multi‑asset solutions. Revenue is largely fee‑based and linked to assets under management (AUM), so the business is sensitive to market performance, client net flows and product mix. Franklin has expanded scale and capabilities through acquisitions and a broad international footprint, but faces structural pressures such as fee compression from passive investing, competition and regulatory oversight. For investors, key things to watch are AUM trends, net inflows or outflows, expense control and the health of markets that drive performance fees. Past performance is not a reliable guide to future returns; investments can fall as well as rise. This summary is general educational information and not personalised investment advice—suitability depends on individual circumstances and objectives.

Comparison Snapshot

Key Financial Metrics

RGA

Metric

BEN

$13.36B

Market Cap

$12.23B

13.73%

Potential Profit

4.77%

Buy

Analyst Rating

Hold

Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Sompo Holdings' $3.5 billion acquisition of Aspen Insurance highlights a major consolidation trend in the global specialty insurance market. This theme focuses on other specialty insurers and reinsurers that may become the next acquisition targets in a rapidly consolidating industry.

Published: August 28, 2025

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Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Sompo Holdings' $3.5 billion acquisition of Aspen Insurance highlights a major consolidation trend in the global specialty insurance market. This theme focuses on other specialty insurers and reinsurers that may become the next acquisition targets in a rapidly consolidating industry.

Published: August 28, 2025

Explore Basket

Investment Analysis

RGA

Pros

RGA is considered undervalued by around 70%, presenting attractive pockets of valuation despite recent share price decline.
The company reported a 19% revenue increase year-over-year in 2024, reaching $22.11 billion, indicating top-line growth.
Strong analyst consensus with an average Buy rating and a 12-month price target offering about 25% upside from current levels.

Considerations

Net income decreased by about 20.5% in 2024 despite revenue growth, signaling margin pressure or rising costs.
The share price has declined 13% year-to-date amid volatility from regulatory shifts and industry reinsurance trends.
Returns such as net margin (3.54%) and return on equity (12.56%) remain moderate, reflecting operational challenges.

Franklin Templeton

BEN

Pros

Franklin Templeton is a globally established asset manager with over seven decades of industry experience.
Diversified product offerings include mutual funds, ETFs, multi-asset, equity, fixed income, and alternative investments.
The firm leverages specialist expertise and deep market insights to potentially capture growth and navigate market complexities.

Considerations

Franklin Resources faces headwinds from macroeconomic factors affecting asset management fees and client investment patterns.
Competitive pressure in the asset management industry may constrain fee growth and profitability.
Dependence on market performance and inflows makes revenue and earnings vulnerable to market volatility.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Investment Analysis

RGA

Pros

Considerations

Franklin Templeton

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

About The Companies

Comparison Snapshot

RGA vs Franklin Templeton

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Which Baskets Do They Appear In?

Insurance Consolidation: The Next Takeover Targets

Investment Analysis

RGA

Pros

Considerations

Franklin Templeton

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the difference between a stock’s price and its valuation indicators, as seen in a side‑by‑side comparison?

How do revenue growth and profitability interact in evaluating a company’s health?

What does diversification mean for an asset manager like Franklin Templeton?

What should I infer from ‘average Buy rating’ and a 12‑month upside target in analyst coverage?

How can revenue growth coexist with declining net income in the same company?

Why is it important to assess both cash flow and earnings in a comparison like this?

What external factors commonly influence asset management versus reinsurance businesses?

How can regulatory shifts impact the stock performance of financials like these?

How should a beginner use a side‑by‑side stock comparison page to form an understanding?

What does the educational disclaimer on a comparison page indicate?

What is the value of comparing companies with different business models side by side?

About The Companies

Comparison Snapshot