Reinsurance Group of America (RGA)vsRoyal Bank of Canada (RY)
RGA
Reinsurance Group of America
$248.72
+0.51%
FINANCIAL SERVICES · Cap: $16.14B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 159% more annual revenue ($67.15B vs $25.97B). RY leads profitability with a 33.9% profit margin vs 5.8%. RGA appears more attractively valued with a PEG of 1.14. RGA earns a higher WallStSmart Score of 74/100 (B).
RGA
Strong Buy74
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 159.6% YoY
18.5% revenue growth
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
5.8% margin — thin
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 18.5% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : RGA
The primary concerns for RGA are Profit Margin.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RGA profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RGA is growing revenue faster at 18.5% — sustainability is the question.
RGA generates stronger free cash flow (484M), providing more financial flexibility.
Bottom Line
RGA scores higher overall (74/100 vs 63/100) and 18.5% revenue growth. Both earn "Strong Buy" and "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 →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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