Reinsurance Group of America vs Block
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KIRAβs take AI analyst
I put Reinsurance Group of America and Block side by side, using each oneβs latest annual report. Here is what stands out:
- 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 Blockβs earnings: a P/E of 133.7x against 11.5x for Reinsurance Group of America.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Reinsurance Group of America
RGA
2/6
Revenue growthReturn on equity
Block
XYZ
4/6
5-year growthNet marginNet debt / EBITDAShare count change
Side by side
Best in the row
| Latest fiscal year | RGA FY25 | XYZ FY25 |
|---|---|---|
| Size | ||
| Market cap | $17.3B | $45.6B |
| Revenue | $23.7B | $24.2B |
| Free cash flow | β | $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 | β0.2% | β2.1% |
| Profitability | ||
| Gross margin | β | 42.8% |
| Operating margin | β | 7.1% |
| Net margin | 5.0% | 5.4% |
| FCF margin | β | 10.0% |
| Return on capital | β | 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 | 11.5x | 133.7x |
| Piotroski F-score | β | 5 |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.