RGA vs RenaissanceRe

This page compares RGA and RenaissanceRe, examining their business models, financial performance, and market context. You will find a clear, neutral overview of how each company operates, generates value, and positions itself within the reinsurance landscape. The goal is to help readers understand similarities and differences without advising on investments. Educational content, not financial advice.

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.

RenaissanceRe (RNR)

RenaissanceRe Holdings Ltd. (RNR) is a Bermuda-based reinsurer that provides reinsurance and insurance solutions across property catastrophe, casualty and specialty lines. With a market capitalisation of about $11.55 billion, it sits among mid‑sized global reinsurance firms where underwriting performance and exposure to large natural disasters matter more than headline growth. RenaissanceRe earns premiums, manages risk through modelling and portfolio diversification, and invests premium float — so results combine underwriting outcomes and investment returns. Investors should note the business is inherently volatile: years with large catastrophe losses can materially reduce profitability and capital. Conversely, disciplined pricing and reserve management can restore returns. This summary is for educational purposes only and is not personalised financial advice. Investors should assess suitability relative to their objectives, time horizon and risk tolerance, and consider consulting a regulated adviser before acting.

Comparison Snapshot

Key Financial Metrics

RGA

Metric

RNR

$13.36B

Market Cap

$12.56B

13.73%

Potential Profit

5.64%

Buy

Analyst Rating

Hold

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Which Baskets Do They Appear In?

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Investment Analysis

RGA

Pros

Reinsurance Group of America (RGA) has shown a significant revenue increase of 19.07% in 2024, reaching $22.11 billion, indicating strong top-line growth.
RGA maintains a diversified portfolio offering individual and group life and health insurance products, along with asset-intensive and financial reinsurance solutions.
The company pays regular dividends, with a recent quarterly dividend of $0.93 announced, reflecting a commitment to shareholder returns.

Considerations

Despite revenue growth, RGA's earnings declined by 20.51% in 2024, with net profit margin at a modest 3.89%, showing pressure on profitability.
Earnings per share (EPS) performance has lagged recent expectations, indicating some earnings weakness relative to analyst forecasts.
RGA holds a moderate debt-to-equity ratio of 43.9%, which could pose a leverage concern depending on market conditions.

RenaissanceRe

RNR

Pros

RenaissanceRe has a focused underwriting strategy with strong expertise in property catastrophe and casualty specialty reinsurance markets.
The company demonstrates disciplined risk management with a high interest coverage ratio of 24.41, indicating strong ability to service debt.
RenaissanceRe has exhibited stable share price volatility, lower than the insurance industry average, suggesting less market risk.

Considerations

RenaissanceRe stock has underperformed the broader US market over the past year, with modest shareholder returns near 0.2%, below industry and market averages.
The company’s price-to-earnings ratio suggests a valuation that may reflect limited near-term growth expectations compared to peers.
RenaissanceRe’s revenue concentration in casualty and specialty reinsurance could expose it to sector-specific risks and macroeconomic headwinds.

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About The Companies

Comparison Snapshot

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Investment Analysis

RGA

Pros

Considerations

RenaissanceRe

Pros

Considerations

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Zero Commission

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Frequently asked questions

What is the primary business difference between RGA and RenaissanceRe?

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What does a higher dividend imply in this comparison?

How should earnings performance affect your view of the two stocks?

What does a high interest coverage ratio tell you about RenaissanceRe?

Why might market volatility matter differently for these two stocks?

How does revenue concentration affect risk for RenaissanceRe?

What should you consider about debt when comparing these stocks?

How should you use these figures without giving investment advice?

About The Companies

Comparison Snapshot