NRDS vs. RGA
NRDS (NerdWallet, Inc.) and RGA (Reinsurance Group of America, Incorporated) are both stocks. Both are in the Financial Services sector — NRDS in Credit Services, RGA in Insurance - Reinsurance. Over the past 3 years, NRDS returned -0.42%/yr vs 19.97%/yr for RGA. At a 0.22 correlation, their price movements are largely independent.
Performance
NRDS vs. RGA - Performance Comparison
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Returns By Period
In the year-to-date period, NRDS achieves a -30.11% return, which is significantly lower than RGA's 14.83% return.
NRDS
- 1D
- -1.56%
- 1M
- 13.01%
- 6M
- -31.87%
- YTD
- -30.11%
- 1Y
- -10.58%
- 3Y*
- -0.42%
- 5Y*
- —
- 10Y*
- —
RGA
- 1D
- 0.29%
- 1M
- 12.35%
- 6M
- 15.97%
- YTD
- 14.83%
- 1Y
- 21.33%
- 3Y*
- 19.97%
- 5Y*
- 17.91%
- 10Y*
- 11.40%
NRDS vs. RGA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NRDS NerdWallet, Inc. | -30.11% | 1.88% | -9.65% | 53.33% | -38.26% | -33.83% |
RGA Reinsurance Group of America, Incorporated | 14.83% | -2.97% | 34.38% | 16.39% | 33.04% | -9.75% |
Correlation
The correlation between NRDS and RGA is 0.21, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.21 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Nov 4, 2021 | 0.22 |
Fundamentals
NRDS:
$689.44M
RGA:
$15.14B
NRDS:
$0.94
RGA:
$20.15
NRDS:
10.10
RGA:
11.47
NRDS:
0.08
RGA:
0.43
NRDS:
0.82
RGA:
0.57
NRDS:
$849.60M
RGA:
$18.13B
NRDS:
$790.50M
RGA:
$3.15B
NRDS:
$128.50M
RGA:
$1.46B
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Return for Risk
NRDS vs. RGA — Risk / Return Rank
NRDS
RGA
NRDS vs. RGA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for NerdWallet, Inc. (NRDS) and Reinsurance Group of America, Incorporated (RGA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NRDS | RGA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.17 | ||
| Sortino ratioReturn per unit of downside risk | -1.48 | ||
| Omega ratioGain probability vs. loss probability | 0.98 | 1.16 | -0.18 |
| Calmar ratioReturn relative to maximum drawdown | -0.31 | 1.58 | -1.89 |
| Martin ratioReturn relative to average drawdown | -0.60 | 3.78 | -4.38 |
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Drawdowns
NRDS vs. RGA - Drawdown Comparison
The maximum NRDS drawdown since its inception was -77.00%, which is greater than RGA's maximum drawdown of -65.75%. Use the drawdown chart below to compare losses from any high point for NRDS and RGA.
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Drawdown Indicators
| NRDS | RGA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.00% | -65.75% | -11.25% |
Max Drawdown (1Y)Largest decline over 1 year | -52.42% | -12.68% | -39.74% |
Max Drawdown (3Y)Largest decline over 3 years | -55.36% | -27.11% | -28.25% |
Max Drawdown (5Y)Largest decline over 5 years | — | -27.11% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -65.75% | — |
Current DrawdownCurrent decline from peak | -66.54% | 0.00% | -66.54% |
Average DrawdownAverage peak-to-trough decline | -57.35% | -11.64% | -45.71% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 26.96% | 5.30% | +21.66% |
Volatility
NRDS vs. RGA - Volatility Comparison
NerdWallet, Inc. (NRDS) has a higher volatility of 9.29% compared to Reinsurance Group of America, Incorporated (RGA) at 6.22%. This indicates that NRDS's price experiences larger fluctuations and is considered to be riskier than RGA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NRDS | RGA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.29% | 6.22% | +3.07% |
Volatility (6M)Calculated over the trailing 6-month period | 35.33% | 17.21% | +18.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.94% | 23.85% | +25.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 68.20% | 27.67% | +40.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 68.20% | 32.90% | +35.30% |
Dividends
NRDS vs. RGA - Dividend Comparison
NRDS has not paid dividends to shareholders, while RGA's dividend yield for the trailing twelve months is around 1.80%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NRDS NerdWallet, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
RGA Reinsurance Group of America, Incorporated | 1.80% | 1.79% | 1.63% | 2.04% | 2.15% | 2.61% | 2.42% | 1.59% | 1.57% | 1.17% | 1.24% | 1.64% |
Financials
NRDS vs. RGA - Financials Comparison
This section allows you to compare key financial metrics between NerdWallet, Inc. and Reinsurance Group of America, Incorporated. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NRDS vs. RGA - Profitability Comparison
NRDS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, NerdWallet, Inc. reported a gross profit of 208.60M and revenue of 222.20M. Therefore, the gross margin over that period was 93.9%.
RGA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Reinsurance Group of America, Incorporated reported a gross profit of 0.00 and revenue of 6.49M. Therefore, the gross margin over that period was 0.0%.
NRDS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, NerdWallet, Inc. reported an operating income of 27.20M and revenue of 222.20M, resulting in an operating margin of 12.2%.
RGA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Reinsurance Group of America, Incorporated reported an operating income of 441.00K and revenue of 6.49M, resulting in an operating margin of 6.8%.
NRDS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, NerdWallet, Inc. reported a net income of 20.40M and revenue of 222.20M, resulting in a net margin of 9.2%.
RGA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Reinsurance Group of America, Incorporated reported a net income of 331.00K and revenue of 6.49M, resulting in a net margin of 5.1%.
Frequently Asked Questions
NRDS and RGA have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NRDS has higher volatility (9.29%) compared to RGA (6.22%). In terms of maximum drawdown, NRDS dropped -77.00% vs RGA's -65.75%.
RGA currently has the higher Sharpe Ratio (0.84 vs -0.33), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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