Kestrel Group, Ltd. (KG)vsReinsurance Group of America (RGA)
KG
Kestrel Group, Ltd.
$10.97
-0.41%
FINANCIAL SERVICES · Cap: $76.26M
RGA
Reinsurance Group of America
$204.52
+0.55%
FINANCIAL SERVICES · Cap: $13.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 69500% more annual revenue ($23.70B vs $34.05M). KG leads profitability with a 137.2% profit margin vs 5.0%. KG trades at a lower P/E of 1.1x. RGA earns a higher WallStSmart Score of 72/100 (B).
KG
Buy62
out of 100
Grade: C+
RGA
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.7%
Fair Value
$59.36
Current Price
$10.96
$48.39 discount
Margin of Safety
+73.4%
Fair Value
$828.36
Current Price
$204.52
$623.84 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 75 in profit
Keeps 137 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 26.6% year-over-year
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
Negative free cash flow — burning cash
2.2% earnings growth
5.0% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : KG
The strongest argument for KG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 137.2% and operating margin at -28.7%.
Bull Case : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 26.6% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bear Case : KG
The primary concerns for KG are EPS Growth, Market Cap, Debt/Equity.
Bear Case : RGA
The primary concerns for RGA are EPS Growth, Profit Margin. Thin 5.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
KG profiles as a mature stock while RGA is a growth play — different risk/reward profiles.
RGA is growing revenue faster at 26.6% — sustainability is the question.
RGA generates stronger free cash flow (852M), providing more financial flexibility.
Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RGA scores higher overall (72/100 vs 62/100) and 26.6% revenue growth. KG offers better value entry with a 79.7% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kestrel Group, Ltd.
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Kestrel Group Ltd engages in providing fronting services to insurance program managers, MGAs, reinsurers, and reinsurance brokers. The company is headquartered in Hamilton, Bermuda.
Visit Website →Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
Visit Website →Compare with Other INSURANCE - REINSURANCE Stocks
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