Reinsurance Group of America (RGA)vsWells Fargo & Company (WFC)
RGA
Reinsurance Group of America
$237.11
-2.28%
FINANCIAL SERVICES · Cap: $15.84B
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 233% more annual revenue ($83.03B vs $24.93B). WFC leads profitability with a 27.2% profit margin vs 4.9%. RGA appears more attractively valued with a PEG of 1.14. WFC earns a higher WallStSmart Score of 76/100 (B+).
RGA
Strong Buy66
out of 100
Grade: B-
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Revenue surging 23.5% year-over-year
Generating 2.9B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
4.9% margin — thin
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RGA
The strongest argument for RGA centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.1%.
Bear Case : RGA
The primary concerns for RGA are Profit Margin. Thin 4.9% margins leave little buffer for downturns.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
RGA profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
RGA is growing revenue faster at 23.5% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (76/100 vs 66/100), backed by strong 27.2% margins. 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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