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Side-by-side financial comparison of IMPERIAL OIL LTD (IMO) and REINSURANCE GROUP OF AMERICA INC (RGA). Click either name above to swap in a different company.
IMPERIAL OIL LTD is the larger business by last-quarter revenue ($8.2B vs $6.6B, roughly 1.2× REINSURANCE GROUP OF AMERICA INC). REINSURANCE GROUP OF AMERICA INC runs the higher net margin — 7.0% vs 4.4%, a 2.6% gap on every dollar of revenue. On growth, REINSURANCE GROUP OF AMERICA INC posted the faster year-over-year revenue change (26.6% vs -10.5%). Over the past eight quarters, REINSURANCE GROUP OF AMERICA INC's revenue compounded faster (2.3% CAGR vs -4.2%).
Imperial Oil Limited is a Canadian petroleum company. It is Canada's second-largest integrated oil company that is also occasionally known as Imperial Esso. It is majority-owned by American oil company ExxonMobil, with a 69.6% ownership stake in the company. It is a producer of crude oil, diluted bitumen, and natural gas. Imperial Oil is one of Canada's major petroleum refiners and petrochemical producers. It supplies Esso-brand service stations.
Reinsurance Group of America, Incorporated is a holding company for a global life and health reinsurance entity based in Greater St. Louis within the western suburb of Chesterfield, Missouri, United States. With approximately $3.9 trillion of life reinsurance in force and assets of $118.7 billion as of December 31, 2024, RGA has grown to become the only international company to focus primarily on life and health-related reinsurance.
IMO vs RGA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $8.2B | $6.6B |
| Net Profit | $359.2M | $463.0M |
| Gross Margin | — | — |
| Operating Margin | 5.6% | 7.7% |
| Net Margin | 4.4% | 7.0% |
| Revenue YoY | -10.5% | 26.6% |
| Net Profit YoY | -59.8% | 212.8% |
| EPS (diluted) | — | $6.91 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.2B | $6.6B | ||
| Q3 25 | $8.8B | $6.2B | ||
| Q2 25 | $8.2B | $5.6B | ||
| Q1 25 | $9.1B | $5.3B | ||
| Q4 24 | $9.2B | $5.2B | ||
| Q3 24 | $9.7B | $5.7B | ||
| Q2 24 | $9.8B | $4.9B | ||
| Q1 24 | $9.0B | $6.3B |
| Q4 25 | $359.2M | $463.0M | ||
| Q3 25 | $393.5M | $253.0M | ||
| Q2 25 | $692.8M | $180.0M | ||
| Q1 25 | $940.2M | $286.0M | ||
| Q4 24 | $894.3M | $148.0M | ||
| Q3 24 | $903.0M | $156.0M | ||
| Q2 24 | $827.1M | $203.0M | ||
| Q1 24 | $872.4M | $210.0M |
| Q4 25 | 5.6% | 7.7% | ||
| Q3 25 | 5.8% | 5.2% | ||
| Q2 25 | 11.1% | 6.1% | ||
| Q1 25 | 13.5% | 7.0% | ||
| Q4 24 | 12.5% | 4.3% | ||
| Q3 24 | 12.1% | 3.8% | ||
| Q2 24 | 11.1% | 5.5% | ||
| Q1 24 | 12.8% | 4.3% |
| Q4 25 | 4.4% | 7.0% | ||
| Q3 25 | 4.5% | 4.1% | ||
| Q2 25 | 8.4% | 3.2% | ||
| Q1 25 | 10.3% | 5.4% | ||
| Q4 24 | 9.7% | 2.8% | ||
| Q3 24 | 9.3% | 2.8% | ||
| Q2 24 | 8.5% | 4.2% | ||
| Q1 24 | 9.7% | 3.3% |
| Q4 25 | — | $6.91 | ||
| Q3 25 | — | $3.81 | ||
| Q2 25 | — | $2.70 | ||
| Q1 25 | — | $4.27 | ||
| Q4 24 | — | $2.21 | ||
| Q3 24 | — | $2.33 | ||
| Q2 24 | — | $3.03 | ||
| Q1 24 | — | $3.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $833.7M | $4.2B |
| Total DebtLower is stronger | $2.9B | $5.7B |
| Stockholders' EquityBook value | $16.2B | $13.5B |
| Total Assets | $30.9B | $156.6B |
| Debt / EquityLower = less leverage | 0.18× | 0.42× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $833.7M | $4.2B | ||
| Q3 25 | $1.4B | $4.6B | ||
| Q2 25 | $1.7B | $5.4B | ||
| Q1 25 | $1.3B | $5.2B | ||
| Q4 24 | $714.7M | $3.3B | ||
| Q3 24 | $1.1B | $5.2B | ||
| Q2 24 | $1.5B | $4.6B | ||
| Q1 24 | $858.5M | $5.9B |
| Q4 25 | $2.9B | $5.7B | ||
| Q3 25 | $2.9B | $5.7B | ||
| Q2 25 | $2.9B | $5.7B | ||
| Q1 25 | $2.9B | $5.7B | ||
| Q4 24 | $2.9B | $5.0B | ||
| Q3 24 | $2.9B | $5.1B | ||
| Q2 24 | $2.9B | $5.1B | ||
| Q1 24 | $2.9B | $4.4B |
| Q4 25 | $16.2B | $13.5B | ||
| Q3 25 | $17.3B | $13.0B | ||
| Q2 25 | $18.2B | $12.1B | ||
| Q1 25 | $17.8B | $11.4B | ||
| Q4 24 | $17.1B | $10.8B | ||
| Q3 24 | $17.3B | $11.1B | ||
| Q2 24 | $17.5B | $9.7B | ||
| Q1 24 | $16.9B | $9.5B |
| Q4 25 | $30.9B | $156.6B | ||
| Q3 25 | $31.4B | $152.0B | ||
| Q2 25 | $32.2B | $133.5B | ||
| Q1 25 | $32.0B | $128.2B | ||
| Q4 24 | $31.3B | $118.7B | ||
| Q3 24 | $31.0B | $120.3B | ||
| Q2 24 | $32.2B | $109.9B | ||
| Q1 24 | $31.0B | $106.0B |
| Q4 25 | 0.18× | 0.42× | ||
| Q3 25 | 0.17× | 0.44× | ||
| Q2 25 | 0.16× | 0.48× | ||
| Q1 25 | 0.16× | 0.50× | ||
| Q4 24 | 0.17× | 0.47× | ||
| Q3 24 | 0.17× | 0.46× | ||
| Q2 24 | 0.17× | 0.52× | ||
| Q1 24 | 0.17× | 0.47× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.4B | $7.3B |
| Free Cash FlowOCF − Capex | $938.8M | — |
| FCF MarginFCF / Revenue | 11.4% | — |
| Capex IntensityCapex / Revenue | 5.6% | — |
| Cash ConversionOCF / Net Profit | 3.90× | 15.83× |
| TTM Free Cash FlowTrailing 4 quarters | $3.4B | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.4B | $7.3B | ||
| Q3 25 | $1.3B | $-990.0M | ||
| Q2 25 | $1.1B | $-820.0M | ||
| Q1 25 | $1.1B | $-1.4B | ||
| Q4 24 | $1.3B | $17.1B | ||
| Q3 24 | $1.1B | $-1.1B | ||
| Q2 24 | $1.2B | $-967.0M | ||
| Q1 24 | $785.5M | $-5.7B |
| Q4 25 | $938.8M | — | ||
| Q3 25 | $944.6M | — | ||
| Q2 25 | $725.6M | — | ||
| Q1 25 | $824.2M | — | ||
| Q4 24 | $997.2M | — | ||
| Q3 24 | $730.7M | — | ||
| Q2 24 | $852.6M | — | ||
| Q1 24 | $422.7M | — |
| Q4 25 | 11.4% | — | ||
| Q3 25 | 10.7% | — | ||
| Q2 25 | 8.8% | — | ||
| Q1 25 | 9.0% | — | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | 7.5% | — | ||
| Q2 24 | 8.7% | — | ||
| Q1 24 | 4.7% | — |
| Q4 25 | 5.6% | — | ||
| Q3 25 | 4.2% | — | ||
| Q2 25 | 4.2% | — | ||
| Q1 25 | 3.2% | — | ||
| Q4 24 | 3.4% | — | ||
| Q3 24 | 3.7% | — | ||
| Q2 24 | 3.4% | — | ||
| Q1 24 | 4.0% | — |
| Q4 25 | 3.90× | 15.83× | ||
| Q3 25 | 3.34× | -3.91× | ||
| Q2 25 | 1.54× | -4.56× | ||
| Q1 25 | 1.19× | -5.00× | ||
| Q4 24 | 1.46× | 115.81× | ||
| Q3 24 | 1.20× | -6.84× | ||
| Q2 24 | 1.44× | -4.76× | ||
| Q1 24 | 0.90× | -27.31× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
