Reinsurance Group of America (RGA)vsSiriuspoint Ltd (SPNT)
RGA
Reinsurance Group of America
$204.52
+0.55%
FINANCIAL SERVICES · Cap: $13.37B
SPNT
Siriuspoint Ltd
$21.51
+1.65%
FINANCIAL SERVICES · Cap: $2.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 695% more annual revenue ($23.70B vs $2.98B). SPNT leads profitability with a 15.4% profit margin vs 5.0%. SPNT trades at a lower P/E of 5.8x. SPNT earns a higher WallStSmart Score of 72/100 (B).
RGA
Strong Buy72
out of 100
Grade: B
SPNT
Strong Buy72
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
+88.1%
Fair Value
$170.35
Current Price
$21.51
$148.84 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
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
19.4% revenue growth
Earnings expanding 26.5% YoY
Areas to Watch
2.2% earnings growth
5.0% margin — thin
Negative free cash flow — burning cash
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 : SPNT
The strongest argument for SPNT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 15.4% and operating margin at 12.7%. Revenue growth of 19.4% 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 : SPNT
The primary concerns for SPNT are Free Cash Flow.
Key Dynamics to Monitor
SPNT carries more volatility with a beta of 0.67 — expect wider price swings.
RGA is growing revenue faster at 26.6% — 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
RGA scores higher overall (72/100 vs 72/100) and 26.6% revenue growth. SPNT offers better value entry with a 88.1% 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 →Siriuspoint Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
SiriusPoint Ltd. offers specialized P&C reinsurance products to insurance and reinsurance companies around the world. The company is headquartered in Pembroke, Bermuda.
Visit Website →Compare with Other INSURANCE - REINSURANCE Stocks
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