RGA vs. R

Last updated Apr 1, 2026

Compare and contrast key facts about Reinsurance Group of America, Incorporated (RGA) and Ryder System, Inc. (R).

Performance

RGA vs. R - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Reinsurance Group of America, Incorporated (RGA) and Ryder System, Inc. (R). The values are adjusted to include any dividend payments, if applicable.

RGA vs. R - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
RGA Reinsurance Group of America, Incorporated	0.77%	-2.97%	34.38%	16.39%	33.04%	-3.21%	-27.02%	18.29%	-8.71%	25.59%
R Ryder System, Inc.	7.42%	24.53%	39.51%	41.61%	4.38%	37.59%	20.15%	17.42%	-41.03%	15.88%

Fundamentals

Market Cap RGA : $13.62B R : $8.35B
EPS RGA : $17.71 R : $12.02
PE Ratio RGA : 11.53 R : 17.03
PEG Ratio RGA : 0.44 R : 1.20
PS Ratio RGA : 0.58 R : 0.67
Total Revenue (TTM) RGA : $23.41B R : $12.67B
Gross Profit (TTM) RGA : $3.93B R : $3.30B
EBITDA (TTM) RGA : $1.91B R : $2.45B

Returns By Period

In the year-to-date period, RGA achieves a 0.77% return, which is significantly lower than R's 7.42% return. Over the past 10 years, RGA has underperformed R with an annualized return of 9.87%, while R has yielded a comparatively higher 15.76% annualized return.

RGA

• 1D: 1.96%
• 1M: -5.36%
• YTD: 0.77%
• 6M: 7.24%
• 1Y: 5.62%
• 3Y*: 17.64%
• 5Y*: 12.22%
• 10Y*: 9.87%

R

• 1D: 4.01%
• 1M: -7.61%
• YTD: 7.42%
• 6M: 9.57%
• 1Y: 45.20%
• 3Y*: 34.98%
• 5Y*: 24.75%
• 10Y*: 15.76%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

RGA vs. R — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

RGA

RGA Risk / Return Rank: 47
RGA Sharpe Ratio Rank: 49
RGA Sortino Ratio Rank: 42
RGA Omega Ratio Rank: 42
RGA Calmar Ratio Rank: 51
RGA Martin Ratio Rank: 51

R

R Risk / Return Rank: 80
R Sharpe Ratio Rank: 81
R Sortino Ratio Rank: 75
R Omega Ratio Rank: 76
R Calmar Ratio Rank: 84
R Martin Ratio Rank: 84

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

RGA vs. R - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Reinsurance Group of America, Incorporated (RGA) and Ryder System, Inc. (R). 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.

	RGA	R	Difference
Sharpe ratio Return per unit of total volatility	0.20	1.27	-1.07
Sortino ratio Return per unit of downside risk	0.48	1.81	-1.33
Omega ratio Gain probability vs. loss probability	1.06	1.25	-0.19
Calmar ratio Return relative to maximum drawdown	0.39	2.78	-2.39
Martin ratio Return relative to average drawdown	0.85	7.15	-6.31
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

RGA vs. R - Sharpe Ratio Comparison

The current RGA Sharpe Ratio is 0.20, which is lower than the R Sharpe Ratio of 1.27. The chart below compares the historical Sharpe Ratios of RGA and R, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	RGA	R	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.20	1.27	-1.07
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.44	0.76	-0.32
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.30	0.43	-0.13
Sharpe Ratio (All Time) Calculated using the full available price history	0.32	0.29	+0.02

Correlation

The correlation between RGA and R is 0.49, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

RGA vs. R - Dividend Comparison

RGA's dividend yield for the trailing twelve months is around 1.80%, more than R's 1.73% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
R Ryder System, Inc.	1.73%	1.80%	1.94%	2.31%	2.87%	2.77%	3.63%	4.05%	4.40%	2.14%	2.28%	2.75%

Drawdowns

RGA vs. R - Drawdown Comparison

The maximum RGA drawdown since its inception was -65.75%, smaller than the maximum R drawdown of -74.02%. Use the drawdown chart below to compare losses from any high point for RGA and R.

Drawdown Indicators

	RGA	R	Difference
Max Drawdown Largest peak-to-trough decline	-65.75%	-74.02%	+8.27%
Max Drawdown (1Y) Largest decline over 1 year	-15.82%	-17.52%	+1.70%
Max Drawdown (5Y) Largest decline over 5 years	-28.41%	-29.97%	+1.56%
Max Drawdown (10Y) Largest decline over 10 years	-65.75%	-72.26%	+6.51%
Current Drawdown Current decline from peak	-9.94%	-8.64%	-1.30%
Average Drawdown Average peak-to-trough decline	-11.68%	-22.58%	+10.90%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.30%	6.80%	+0.50%

Volatility

RGA vs. R - Volatility Comparison

The current volatility for Reinsurance Group of America, Incorporated (RGA) is 5.78%, while Ryder System, Inc. (R) has a volatility of 11.74%. This indicates that RGA experiences smaller price fluctuations and is considered to be less risky than R based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RGA	R	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.78%	11.74%	-5.96%
Volatility (6M) Calculated over the trailing 6-month period	16.96%	26.31%	-9.35%
Volatility (1Y) Calculated over the trailing 1-year period	27.98%	35.79%	-7.81%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.95%	32.88%	-4.93%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.88%	36.53%	-3.65%

Financials

RGA vs. R - Profitability Comparison

The chart below illustrates the profitability comparison between Reinsurance Group of America, Incorporated and Ryder System, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

RGA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Reinsurance Group of America, Incorporated reported a gross profit of 1.66B and revenue of 6.34B. Therefore, the gross margin over that period was 26.3%.

R - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Ryder System, Inc. reported a gross profit of 1.39B and revenue of 3.18B. Therefore, the gross margin over that period was 43.8%.

RGA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Reinsurance Group of America, Incorporated reported an operating income of 510.00M and revenue of 6.34B, resulting in an operating margin of 8.1%.

R - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Ryder System, Inc. reported an operating income of -307.00M and revenue of 3.18B, resulting in an operating margin of -9.7%.

RGA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Reinsurance Group of America, Incorporated reported a net income of 463.00M and revenue of 6.34B, resulting in a net margin of 7.3%.

R - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Ryder System, Inc. reported a net income of 133.00M and revenue of 3.18B, resulting in a net margin of 4.2%.