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Reinsurance Group of America, Incorporated (RGA) vs SiriusPoint Ltd. (SPNT)

Reinsurance Group of America, Incorporated and SiriusPoint Ltd. are both Insurance Reinsurance companies. Reinsurance Group of America, Incorporated is the larger, with a market value of $17.1B against $3.1B — 5.6× the size. SiriusPoint Ltd. trades at the lower P/E: 6.2× against 11.4×. Reinsurance Group of America, Incorporated grew revenue faster over the last twelve months: 19.4% against 18.1%. Reinsurance Group of America, Incorporated has the higher net margin (5.81% vs 0.00%) and the higher return on invested capital (9.94% vs 0.00%). Across the 20 metrics below, Reinsurance Group of America, Incorporated leads on 10 and SiriusPoint Ltd. on 10.

Valuation

Metric RGA SPNT Insurance Reinsurance median
P/E 11.37 6.20 9.37
P/S 0.66 0.90 0.93
P/B 1.23 1.33 1.17
Price to free cash flow 5.79 10.80 5.79
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.80% 16.13% 10.30%
Free cash flow yield 17.28% 9.26% 13.27%

Profitability

Metric RGA SPNT Insurance Reinsurance median
Gross margin 13.99% 35.05% 35.68%
Operating margin 8.70% 0.00% 11.26%
Net margin 5.81% 0.00% 7.19%
Free cash flow margin 11.49% 8.34% 14.62%
Return on equity 11.63% 23.65% 12.20%
Return on assets 1.00% 0.00% 1.83%
Return on invested capital 9.94% 0.00% 9.11%

Growth

Metric RGA SPNT Insurance Reinsurance median
Revenue growth (TTM) 19.40% 18.14% 16.82%
EPS growth (last fiscal year) 64.86% 250.00% 62.00%
Revenue growth, 5-year CAGR 10.18% 29.22% 14.51%
Net income growth, 5-year CAGR 23.29% 25.50% 25.23%

Health

Metric RGA SPNT Insurance Reinsurance median
Debt to equity 0.41 0.30 0.23
Current ratio 0.14 0.58 0.59
Net debt to EBITDA 0.92 (0.20) (0.03)

Dividend

Metric RGA SPNT Insurance Reinsurance median
Dividend yield 1.44% — —
Payout ratio 0.17 — —

Size

Metric RGA SPNT Insurance Reinsurance median
Market cap 17.11b 3.05b 3.34b

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