vs
Side-by-side financial comparison of REINSURANCE GROUP OF AMERICA INC (RGA) and US Foods Holding Corp. (USFD). Click either name above to swap in a different company.
US Foods Holding Corp. is the larger business by last-quarter revenue ($9.8B vs $6.6B, roughly 1.5× REINSURANCE GROUP OF AMERICA INC). REINSURANCE GROUP OF AMERICA INC runs the higher net margin — 7.0% vs 1.9%, a 5.1% gap on every dollar of revenue. On growth, REINSURANCE GROUP OF AMERICA INC posted the faster year-over-year revenue change (26.6% vs 3.3%). Over the past eight quarters, US Foods Holding Corp.'s revenue compounded faster (4.6% 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.
US Foods Holding Corp. is an American food service distributor. It is the second-largest food service distributor in the U.S., after Sysco. The company supplies 250,000 locations including independent restaurants, chain restaurants, healthcare, hospitality, and educational institutions.
RGA vs USFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $6.6B | $9.8B |
| Net Profit | $463.0M | $184.0M |
| Gross Margin | — | 17.6% |
| Operating Margin | 7.7% | 3.3% |
| Net Margin | 7.0% | 1.9% |
| Revenue YoY | 26.6% | 3.3% |
| Net Profit YoY | 212.8% | 178.8% |
| EPS (diluted) | $6.91 | $0.82 |
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 | $6.6B | $9.8B | ||
| Q3 25 | $6.2B | $10.2B | ||
| Q2 25 | $5.6B | $10.1B | ||
| Q1 25 | $5.3B | $9.4B | ||
| Q4 24 | $5.2B | $9.5B | ||
| Q3 24 | $5.7B | $9.7B | ||
| Q2 24 | $4.9B | $9.7B | ||
| Q1 24 | $6.3B | $8.9B |
| Q4 25 | $463.0M | $184.0M | ||
| Q3 25 | $253.0M | $153.0M | ||
| Q2 25 | $180.0M | $224.0M | ||
| Q1 25 | $286.0M | $115.0M | ||
| Q4 24 | $148.0M | $66.0M | ||
| Q3 24 | $156.0M | $148.0M | ||
| Q2 24 | $203.0M | $198.0M | ||
| Q1 24 | $210.0M | $82.0M |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 17.2% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 17.3% | ||
| Q4 24 | — | 17.6% | ||
| Q3 24 | — | 17.1% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 16.7% |
| Q4 25 | 7.7% | 3.3% | ||
| Q3 25 | 5.2% | 2.8% | ||
| Q2 25 | 6.1% | 3.7% | ||
| Q1 25 | 7.0% | 2.4% | ||
| Q4 24 | 4.3% | 3.2% | ||
| Q3 24 | 3.8% | 2.9% | ||
| Q2 24 | 5.5% | 3.6% | ||
| Q1 24 | 4.3% | 1.8% |
| Q4 25 | 7.0% | 1.9% | ||
| Q3 25 | 4.1% | 1.5% | ||
| Q2 25 | 3.2% | 2.2% | ||
| Q1 25 | 5.4% | 1.2% | ||
| Q4 24 | 2.8% | 0.7% | ||
| Q3 24 | 2.8% | 1.5% | ||
| Q2 24 | 4.2% | 2.0% | ||
| Q1 24 | 3.3% | 0.9% |
| Q4 25 | $6.91 | $0.82 | ||
| Q3 25 | $3.81 | $0.67 | ||
| Q2 25 | $2.70 | $0.96 | ||
| Q1 25 | $4.27 | $0.49 | ||
| Q4 24 | $2.21 | $0.28 | ||
| Q3 24 | $2.33 | $0.61 | ||
| Q2 24 | $3.03 | $0.80 | ||
| Q1 24 | $3.16 | $0.33 |
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 | $41.0M |
| Total DebtLower is stronger | $5.7B | $5.1B |
| Stockholders' EquityBook value | $13.5B | $4.3B |
| Total Assets | $156.6B | $13.9B |
| Debt / EquityLower = less leverage | 0.42× | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.2B | $41.0M | ||
| Q3 25 | $4.6B | $56.0M | ||
| Q2 25 | $5.4B | $61.0M | ||
| Q1 25 | $5.2B | $101.0M | ||
| Q4 24 | $3.3B | $59.0M | ||
| Q3 24 | $5.2B | $81.0M | ||
| Q2 24 | $4.6B | $405.0M | ||
| Q1 24 | $5.9B | $267.0M |
| Q4 25 | $5.7B | $5.1B | ||
| Q3 25 | $5.7B | $4.8B | ||
| Q2 25 | $5.7B | $4.7B | ||
| Q1 25 | $5.7B | $4.7B | ||
| Q4 24 | $5.0B | $4.8B | ||
| Q3 24 | $5.1B | $4.7B | ||
| Q2 24 | $5.1B | $4.6B | ||
| Q1 24 | $4.4B | $4.6B |
| Q4 25 | $13.5B | $4.3B | ||
| Q3 25 | $13.0B | $4.5B | ||
| Q2 25 | $12.1B | $4.6B | ||
| Q1 25 | $11.4B | $4.6B | ||
| Q4 24 | $10.8B | $4.5B | ||
| Q3 24 | $11.1B | $4.6B | ||
| Q2 24 | $9.7B | $5.0B | ||
| Q1 24 | $9.5B | $4.8B |
| Q4 25 | $156.6B | $13.9B | ||
| Q3 25 | $152.0B | $14.0B | ||
| Q2 25 | $133.5B | $13.8B | ||
| Q1 25 | $128.2B | $13.7B | ||
| Q4 24 | $118.7B | $13.4B | ||
| Q3 24 | $120.3B | $13.5B | ||
| Q2 24 | $109.9B | $13.7B | ||
| Q1 24 | $106.0B | $13.4B |
| Q4 25 | 0.42× | 1.18× | ||
| Q3 25 | 0.44× | 1.08× | ||
| Q2 25 | 0.48× | 1.02× | ||
| Q1 25 | 0.50× | 1.02× | ||
| Q4 24 | 0.47× | 1.06× | ||
| Q3 24 | 0.46× | 1.01× | ||
| Q2 24 | 0.52× | 0.92× | ||
| Q1 24 | 0.47× | 0.95× |
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 | $293.0M |
| Free Cash FlowOCF − Capex | — | $159.0M |
| FCF MarginFCF / Revenue | — | 1.6% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 15.83× | 1.59× |
| TTM Free Cash FlowTrailing 4 quarters | — | $959.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $7.3B | $293.0M | ||
| Q3 25 | $-990.0M | $351.0M | ||
| Q2 25 | $-820.0M | $334.0M | ||
| Q1 25 | $-1.4B | $391.0M | ||
| Q4 24 | $17.1B | $283.0M | ||
| Q3 24 | $-1.1B | $270.0M | ||
| Q2 24 | $-967.0M | $482.0M | ||
| Q1 24 | $-5.7B | $139.0M |
| Q4 25 | — | $159.0M | ||
| Q3 25 | — | $236.0M | ||
| Q2 25 | — | $257.0M | ||
| Q1 25 | — | $307.0M | ||
| Q4 24 | — | $178.0M | ||
| Q3 24 | — | $190.0M | ||
| Q2 24 | — | $413.0M | ||
| Q1 24 | — | $52.0M |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 4.3% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 1.0% |
| Q4 25 | 15.83× | 1.59× | ||
| Q3 25 | -3.91× | 2.29× | ||
| Q2 25 | -4.56× | 1.49× | ||
| Q1 25 | -5.00× | 3.40× | ||
| Q4 24 | 115.81× | 4.29× | ||
| Q3 24 | -6.84× | 1.82× | ||
| Q2 24 | -4.76× | 2.43× | ||
| Q1 24 | -27.31× | 1.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGA
Segment breakdown not available.
USFD
| Product One | $3.5B | 36% |
| Product Two | $1.7B | 17% |
| Product Three | $1.7B | 17% |
| Product Four | $985.0M | 10% |
| Product Five | $901.0M | 9% |
| Product Six | $580.0M | 6% |
| Product Seven | $485.0M | 5% |
