Reinsurance Group of America
RGA · Reinsurance
$263.94
3.0%Block
XYZ · Transaction & Payment Processing Services
$76.46
3.2%The short version
- Block is the larger business, with $24.2B of revenue in fiscal 2025 against $23.7B for Reinsurance Group of America.
- Reinsurance Group of America grew revenue faster (7.2%, against 0.3%).
- Investors pay more for each dollar of Block’s earnings: a P/E of 136.5x against 11.6x for Reinsurance Group of America.
| Latest fiscal year | RGA · FY25 | XYZ · FY25 |
|---|---|---|
| Size | ||
| Market cap | $17.4B | $46.5B |
| Revenue | $23.7B | $24.2B |
| Free cash flow | — | $2.4B |
| Net income | $1.2B | $1.3B |
| Growth | ||
| Revenue growth | 7.2% | 0.3% |
| 5-year growth | 10.2% | 20.6% |
| Share count change | −0.2% | −2.1% |
| Profitability | ||
| Gross margin | — | 42.8% |
| Operating margin | — | 7.1% |
| Net margin | 5.0% | 5.4% |
| FCF margin | — | 10.0% |
| Return on capital | — | 6.4% |
| Return on equity | 9.7% | 6.0% |
| Balance sheet | ||
| Net debt | $1.2B | $207M |
| Net debt / EBITDA | 0.6x | 0.1x |
| Dividends and buybacks | $414M | $2.3B |
| Valuation & quality | ||
| P/E | 11.6x | 136.5x |
| Piotroski F-score | — | 5 |
FY16
RGA $11.5B
XYZ $1.7B
FY17
RGA $12.5B
XYZ $2.2B
FY18
RGA $12.9B
XYZ $3.3B
FY19
RGA $14.3B
XYZ $4.7B
FY20
RGA $14.6B
XYZ $9.5B
FY21
RGA $16.7B
XYZ $17.7B
FY22
RGA $16.2B
XYZ $17.5B
FY23
RGA $18.6B
XYZ $21.9B
FY24
RGA $22.1B
XYZ $24.1B
FY25
RGA $23.7B
XYZ $24.2B
RGA
XYZ
FY16
RGA —
XYZ −10.0%
FY17
RGA —
XYZ −2.5%
FY18
RGA —
XYZ −1.1%
FY19
RGA —
XYZ 0.6%
FY20
RGA —
XYZ −0.2%
FY21
RGA —
XYZ 0.9%
FY22
RGA —
XYZ −3.6%
FY23
RGA —
XYZ −1.3%
FY24
RGA —
XYZ 3.7%
FY25
RGA —
XYZ 7.1%
RGA
XYZ
FY16
RGA $1.4B
XYZ −$2.3M
FY17
RGA $1.9B
XYZ $102M
FY18
RGA $1.6B
XYZ $234M
FY19
RGA $2.3B
XYZ $265M
FY20
RGA $3.3B
XYZ $34.7M
FY21
RGA $4.2B
XYZ $714M
FY22
RGA $1.3B
XYZ $5.1M
FY23
RGA —
XYZ −$50.2M
FY24
RGA —
XYZ $1.6B
FY25
RGA —
XYZ $2.4B
RGA
XYZ
FY16
RGA 10.4%
XYZ —
FY17
RGA 13.0%
XYZ −25.0%
FY18
RGA 8.2%
XYZ −4.9%
FY19
RGA 9.7%
XYZ 2.6%
FY20
RGA 4.2%
XYZ −1.5%
FY21
RGA 10.9%
XYZ 8.1%
FY22
RGA —
XYZ −5.3%
FY23
RGA 12.0%
XYZ −1.3%
FY24
RGA 8.4%
XYZ 5.0%
FY25
RGA —
XYZ 6.4%
RGA
XYZ
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.