Reinsurance Group of America (RGA)vsRenaissancere Holdings Ltd (RNR)
RGA
Reinsurance Group of America
$204.52
+0.55%
FINANCIAL SERVICES · Cap: $13.37B
RNR
Renaissancere Holdings Ltd
$293.24
-0.32%
FINANCIAL SERVICES · Cap: $12.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 84% more annual revenue ($23.70B vs $12.86B). RNR leads profitability with a 20.8% profit margin vs 5.0%. RGA appears more attractively valued with a PEG of 1.14. RNR earns a higher WallStSmart Score of 74/100 (B).
RGA
Strong Buy72
out of 100
Grade: B
RNR
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.4%
Fair Value
$828.36
Current Price
$204.52
$623.84 discount
Margin of Safety
+19.8%
Fair Value
$379.85
Current Price
$293.24
$86.61 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 26.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.7%
Keeps 21 of every $100 in revenue as profit
Revenue surging 27.6% year-over-year
Areas to Watch
2.2% earnings growth
5.0% margin — thin
Expensive relative to growth rate
Earnings declined 14.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 26.6% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bull Case : RNR
The strongest argument for RNR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.8% and operating margin at 43.7%. Revenue growth of 27.6% demonstrates continued momentum.
Bear Case : RGA
The primary concerns for RGA are EPS Growth, Profit Margin. Thin 5.0% margins leave little buffer for downturns.
Bear Case : RNR
The primary concerns for RNR are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
RGA carries more volatility with a beta of 0.50 — expect wider price swings.
RNR is growing revenue faster at 27.6% — sustainability is the question.
RGA generates stronger free cash flow (852M), providing more financial flexibility.
Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RNR scores higher overall (74/100 vs 72/100), backed by strong 20.8% margins and 27.6% revenue growth. RGA offers better value entry with a 73.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
Visit Website →Renaissancere Holdings Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.
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