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Side-by-side financial comparison of REINSURANCE GROUP OF AMERICA INC (RGA) and SONIC AUTOMOTIVE INC (SAH). Click either name above to swap in a different company.
REINSURANCE GROUP OF AMERICA INC is the larger business by last-quarter revenue ($6.6B vs $3.7B, roughly 1.8× SONIC AUTOMOTIVE INC). REINSURANCE GROUP OF AMERICA INC runs the higher net margin — 7.0% vs 1.6%, a 5.3% gap on every dollar of revenue. On growth, REINSURANCE GROUP OF AMERICA INC posted the faster year-over-year revenue change (26.6% vs 1.0%). Over the past eight quarters, SONIC AUTOMOTIVE INC's revenue compounded faster (3.4% CAGR vs 2.3%).
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.
Sonic Automotive is a Fortune 500 company based in Charlotte, North Carolina, and is the fifth largest automotive retailer in the United States as measured by total revenues. The company was founded by O Bruton Smith and completed its initial public offering on the NYSE in 1997.
RGA vs SAH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $6.6B | $3.7B |
| Net Profit | $463.0M | $60.8M |
| Gross Margin | — | 16.2% |
| Operating Margin | 7.7% | 3.1% |
| Net Margin | 7.0% | 1.6% |
| Revenue YoY | 26.6% | 1.0% |
| Net Profit YoY | 212.8% | — |
| EPS (diluted) | $6.91 | $1.79 |
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.
| Q1 26 | — | $3.7B | ||
| Q4 25 | $6.6B | $3.9B | ||
| Q3 25 | $6.2B | $4.0B | ||
| Q2 25 | $5.6B | $3.7B | ||
| Q1 25 | $5.3B | $3.7B | ||
| Q4 24 | $5.2B | $3.9B | ||
| Q3 24 | $5.7B | $3.5B | ||
| Q2 24 | $4.9B | $3.5B |
| Q1 26 | — | $60.8M | ||
| Q4 25 | $463.0M | $46.9M | ||
| Q3 25 | $253.0M | $46.8M | ||
| Q2 25 | $180.0M | $-45.6M | ||
| Q1 25 | $286.0M | $70.6M | ||
| Q4 24 | $148.0M | $58.6M | ||
| Q3 24 | $156.0M | $74.2M | ||
| Q2 24 | $203.0M | $41.2M |
| Q1 26 | — | 16.2% | ||
| Q4 25 | — | 15.5% | ||
| Q3 25 | — | 15.5% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 15.5% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 15.6% |
| Q1 26 | — | 3.1% | ||
| Q4 25 | 7.7% | 3.2% | ||
| Q3 25 | 5.2% | 3.1% | ||
| Q2 25 | 6.1% | -0.6% | ||
| Q1 25 | 7.0% | 4.0% | ||
| Q4 24 | 4.3% | 3.4% | ||
| Q3 24 | 3.8% | 3.3% | ||
| Q2 24 | 5.5% | 3.1% |
| Q1 26 | — | 1.6% | ||
| Q4 25 | 7.0% | 1.2% | ||
| Q3 25 | 4.1% | 1.2% | ||
| Q2 25 | 3.2% | -1.2% | ||
| Q1 25 | 5.4% | 1.9% | ||
| Q4 24 | 2.8% | 1.5% | ||
| Q3 24 | 2.8% | 2.1% | ||
| Q2 24 | 4.2% | 1.2% |
| Q1 26 | — | $1.79 | ||
| Q4 25 | $6.91 | $1.39 | ||
| Q3 25 | $3.81 | $1.33 | ||
| Q2 25 | $2.70 | $-1.34 | ||
| Q1 25 | $4.27 | $2.04 | ||
| Q4 24 | $2.21 | $1.67 | ||
| Q3 24 | $2.33 | $2.13 | ||
| Q2 24 | $3.03 | $1.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.2B | — |
| Total DebtLower is stronger | $5.7B | — |
| Stockholders' EquityBook value | $13.5B | — |
| Total Assets | $156.6B | — |
| Debt / EquityLower = less leverage | 0.42× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $4.2B | $6.3M | ||
| Q3 25 | $4.6B | $89.4M | ||
| Q2 25 | $5.4B | $110.4M | ||
| Q1 25 | $5.2B | $64.6M | ||
| Q4 24 | $3.3B | $44.0M | ||
| Q3 24 | $5.2B | $17.6M | ||
| Q2 24 | $4.6B | $67.2M |
| Q1 26 | — | — | ||
| Q4 25 | $5.7B | $1.6B | ||
| Q3 25 | $5.7B | $1.5B | ||
| Q2 25 | $5.7B | $1.5B | ||
| Q1 25 | $5.7B | $1.6B | ||
| Q4 24 | $5.0B | $1.6B | ||
| Q3 24 | $5.1B | $1.7B | ||
| Q2 24 | $5.1B | $1.7B |
| Q1 26 | — | — | ||
| Q4 25 | $13.5B | $1.1B | ||
| Q3 25 | $13.0B | $1.1B | ||
| Q2 25 | $12.1B | $1.0B | ||
| Q1 25 | $11.4B | $1.1B | ||
| Q4 24 | $10.8B | $1.1B | ||
| Q3 24 | $11.1B | $1.0B | ||
| Q2 24 | $9.7B | $944.7M |
| Q1 26 | — | — | ||
| Q4 25 | $156.6B | $6.0B | ||
| Q3 25 | $152.0B | $6.0B | ||
| Q2 25 | $133.5B | $5.9B | ||
| Q1 25 | $128.2B | $5.9B | ||
| Q4 24 | $118.7B | $5.9B | ||
| Q3 24 | $120.3B | $5.8B | ||
| Q2 24 | $109.9B | $5.8B |
| Q1 26 | — | — | ||
| Q4 25 | 0.42× | 1.51× | ||
| Q3 25 | 0.44× | 1.39× | ||
| Q2 25 | 0.48× | 1.48× | ||
| Q1 25 | 0.50× | 1.44× | ||
| Q4 24 | 0.47× | 1.49× | ||
| Q3 24 | 0.46× | 1.67× | ||
| Q2 24 | 0.52× | 1.81× |
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 | $7.3B | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 15.83× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $7.3B | $66.9M | ||
| Q3 25 | $-990.0M | $167.9M | ||
| Q2 25 | $-820.0M | $136.8M | ||
| Q1 25 | $-1.4B | $195.8M | ||
| Q4 24 | $17.1B | $87.7M | ||
| Q3 24 | $-1.1B | $87.8M | ||
| Q2 24 | $-967.0M | $-136.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-195.6M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $102.7M | ||
| Q1 25 | — | $150.8M | ||
| Q4 24 | — | $-245.5M | ||
| Q3 24 | — | $34.5M | ||
| Q2 24 | — | $-185.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | -5.1% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.8% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | -6.3% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | -5.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 8.6% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.4% |
| Q1 26 | — | — | ||
| Q4 25 | 15.83× | 1.43× | ||
| Q3 25 | -3.91× | 3.59× | ||
| Q2 25 | -4.56× | — | ||
| Q1 25 | -5.00× | 2.77× | ||
| Q4 24 | 115.81× | 1.50× | ||
| Q3 24 | -6.84× | 1.18× | ||
| Q2 24 | -4.76× | -3.31× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGA
Segment breakdown not available.
SAH
| Retail new vehicles | $1.6B | 44% |
| Used vehicles | $1.3B | 34% |
| Parts, service and collision repair | $516.6M | 14% |
| Finance, insurance and other, net | $202.4M | 5% |
| Wholesale vehicles | $71.8M | 2% |
| Fleet new vehicles | $20.7M | 1% |
