FIHL
Fidelis Insurance Holdings Limited
Insurance - Diversified
Market Cap$2.35B
5Y Perf.+53.8%
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Stock Comparison
FIHL vs RNR
Revenue, margins, valuation, and 5-year total return — side by side.
RNR
RenaissanceRe Holdings Ltd.
Insurance - Reinsurance
Market Cap$13.06B
5Y Perf.+62.3%
FIHL vs RNR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FIHL | RNR |
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Reinsurance |
| Market Cap | $2.35B | $13.06B |
| Revenue (TTM) | $2.50B | $11.49B |
| Net Income (TTM) | $-15M | $3.09B |
| Gross Margin | 36.8% | 44.6% |
| Operating Margin | -0.3% | 35.5% |
| Forward P/E | 6.3x | 7.7x |
| Total Debt | $449M | $2.33B |
| Cash & Equiv. | $743M | $1.73B |
FIHL vs RNR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FIHL
RNR
| Stock | Jun 23 | May 26 | Return |
|---|---|---|---|
| Fidelis Insurance H… (FIHL) | 100 | 153.8 | +53.8% |
| RenaissanceRe Holdi… (RNR) | 100 | 162.3 | +62.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FIHL vs RNR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RNR leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Fidelis Insurance Holdings Limited is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
FIHL
Fidelis Insurance Holdings Limited
The Insurance Pick
FIHL is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 1 yrs, beta 0.48, yield 1.9%
- Beta 0.48, yield 1.9%
- Lower P/E (6.3x vs 7.7x)
Best for: income & stability and defensive
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 9.4%, EPS growth 60.8%, 3Y rev CAGR 36.2%
- 182.4% 10Y total return vs FIHL's 70.9%
- Lower volatility, beta -0.03, Low D/E 12.1%, current ratio 5.03x
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RNR | 9.4% revenue growth vs FIHL's -32.6% |
| Value | FIHL | Lower P/E (6.3x vs 7.7x) |
| Quality / Margins | RNR | Combined ratio 0.7 vs FIHL's 0.9 (lower = better underwriting) |
| Stability / Safety | RNR | Lower D/E ratio (12.1% vs 18.3%) |
| Dividends | FIHL | 1.9% yield, 1-year raise streak, vs RNR's 0.6% |
| Momentum (1Y) | FIHL | +29.1% vs RNR's +22.9% |
| Efficiency (ROA) | RNR | 5.7% ROA vs FIHL's -0.1%, ROIC 16.0% vs 4.7% |
FIHL vs RNR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
FIHL vs RNR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGFIHL
FIHLFidelis Insurance Hol…
1leads
RNRRenaissanceRe Holding…
3leads
6 Total Categories
CATEGORYLEADERvs FIHLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RNR5/6
Valuation MetricsMultiples, price ratios, and targets
RNR4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RNR7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
FIHL1/1
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RNR is the larger business by revenue, generating $11.5B annually — 4.6x FIHL's $2.5B. RNR is the more profitable business, keeping 26.9% of every revenue dollar as net income compared to FIHL's -0.6%. On growth, FIHL holds the edge at -4.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| RevenueTrailing 12 months | $2.5B | $11.5B |
| EBITDAEarnings before interest/tax | $34M | $4.1B |
| Net IncomeAfter-tax profit | -$15M | $3.1B |
| Free Cash FlowCash after capex | -$513M | $4.2B |
| Gross MarginGross profit ÷ Revenue | +36.8% | +44.6% |
| Operating MarginEBIT ÷ Revenue | -0.3% | +35.5% |
| Net MarginNet income ÷ Revenue | -0.6% | +26.9% |
| FCF MarginFCF ÷ Revenue | -20.5% | +36.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | -4.6% | -36.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +40.9% | +100.9% |
RNR leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
RNR leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 5.3x trailing earnings, RNR trades at a 75% valuation discount to FIHL's 21.4x P/E. On an enterprise value basis, RNR's 3.4x EV/EBITDA is more attractive than FIHL's 16.8x.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| Market CapShares × price | $2.3B | $13.1B |
| Enterprise ValueMkt cap + debt − cash | $2.1B | $13.7B |
| Trailing P/EPrice ÷ TTM EPS | 21.43x | 5.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.32x | 7.71x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.18x |
| EV / EBITDAEnterprise value multiple | 16.77x | 3.40x |
| Price / SalesMarket cap ÷ Revenue | 0.97x | 1.02x |
| Price / BookPrice ÷ Book value/share | 0.99x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 3.82x | 3.54x |
RNR leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
RNR leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
RNR delivers a 16.6% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $-1 for FIHL. RNR carries lower financial leverage with a 0.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to FIHL's 0.18x. On the Piotroski fundamental quality scale (0–9), RNR scores 8/9 vs FIHL's 4/9, reflecting strong financial health.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| ROE (TTM)Return on equity | -0.6% | +16.6% |
| ROA (TTM)Return on assets | -0.1% | +5.7% |
| ROICReturn on invested capital | +4.7% | +16.0% |
| ROCEReturn on capital employed | +1.3% | +10.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 8 |
| Debt / EquityFinancial leverage | 0.18x | 0.12x |
| Net DebtTotal debt minus cash | -$294M | $598M |
| Cash & Equiv.Liquid assets | $743M | $1.7B |
| Total DebtShort + long-term debt | $449M | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.83x | 33.28x |
RNR leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — FIHL and RNR each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RNR five years ago would be worth $18,967 today (with dividends reinvested), compared to $17,093 for FIHL. Over the past 12 months, FIHL leads with a +29.1% total return vs RNR's +22.9%. The 3-year compound annual growth rate (CAGR) favors FIHL at 19.6% vs RNR's 13.6% — a key indicator of consistent wealth creation.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +9.1% | +11.3% |
| 1-Year ReturnPast 12 months | +29.1% | +22.9% |
| 3-Year ReturnCumulative with dividends | +70.9% | +46.6% |
| 5-Year ReturnCumulative with dividends | +70.9% | +89.7% |
| 10-Year ReturnCumulative with dividends | +70.9% | +182.4% |
| CAGR (3Y)Annualised 3-year return | +19.6% | +13.6% |
Evenly matched — FIHL and RNR each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FIHL and RNR each lead in 1 of 2 comparable metrics.
Risk & Volatility
RNR is the less volatile stock with a -0.03 beta — it tends to amplify market swings less than FIHL's 0.48 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.48x | -0.03x |
| 52-Week HighHighest price in past year | $21.50 | $318.20 |
| 52-Week LowLowest price in past year | $14.80 | $231.17 |
| % of 52W HighCurrent price vs 52-week peak | +97.7% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 58.1 | 46.0 |
| Avg Volume (50D)Average daily shares traded | 427K | 308K |
Evenly matched — FIHL and RNR each lead in 1 of 2 comparable metrics.
Analyst Outlook
FIHL leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates FIHL as "Buy" and RNR as "Hold". Consensus price targets imply 1.9% upside for RNR (target: $308) vs 0.8% for FIHL (target: $21). For income investors, FIHL offers the higher dividend yield at 1.90% vs RNR's 0.55%.
| Metric | FIHLFidelis Insurance… | RNRRenaissanceRe Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $21.17 | $308.33 |
| # AnalystsCovering analysts | 11 | 28 |
| Dividend YieldAnnual dividend ÷ price | +1.9% | +0.6% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $0.40 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.5% | +12.2% |
FIHL leads this category, winning 1 of 1 comparable metric.
Key Takeaway
RNR leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). FIHL leads in 1 (Analyst Outlook). 2 tied.
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 3 of 6 categories
Loading custom metrics...
FIHL vs RNR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FIHL or RNR a better buy right now?
For growth investors, RenaissanceRe Holdings Ltd.
(RNR) is the stronger pick with 9. 4% revenue growth year-over-year, versus -32. 6% for Fidelis Insurance Holdings Limited (FIHL). RenaissanceRe Holdings Ltd. (RNR) offers the better valuation at 5. 3x trailing P/E (7. 7x forward), making it the more compelling value choice. Analysts rate Fidelis Insurance Holdings Limited (FIHL) a "Buy" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FIHL or RNR?
On trailing P/E, RenaissanceRe Holdings Ltd.
(RNR) is the cheapest at 5. 3x versus Fidelis Insurance Holdings Limited at 21. 4x. On forward P/E, Fidelis Insurance Holdings Limited is actually cheaper at 6. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — FIHL or RNR?
Over the past 5 years, RenaissanceRe Holdings Ltd.
(RNR) delivered a total return of +89. 7%, compared to +70. 9% for Fidelis Insurance Holdings Limited (FIHL). Over 10 years, the gap is even starker: RNR returned +182. 4% versus FIHL's +70. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FIHL or RNR?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus Fidelis Insurance Holdings Limited's 0. 48β — meaning FIHL is approximately -1601% more volatile than RNR relative to the S&P 500. On balance sheet safety, RenaissanceRe Holdings Ltd. (RNR) carries a lower debt/equity ratio of 12% versus 18% for Fidelis Insurance Holdings Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — FIHL or RNR?
By revenue growth (latest reported year), RenaissanceRe Holdings Ltd.
(RNR) is pulling ahead at 9. 4% versus -32. 6% for Fidelis Insurance Holdings Limited (FIHL). On earnings-per-share growth, the picture is similar: RenaissanceRe Holdings Ltd. grew EPS 60. 8% year-over-year, compared to -94. 7% for Fidelis Insurance Holdings Limited. Over a 3-year CAGR, RNR leads at 36. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FIHL or RNR?
RenaissanceRe Holdings Ltd.
(RNR) is the more profitable company, earning 21. 0% net margin versus 4. 7% for Fidelis Insurance Holdings Limited — meaning it keeps 21. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RNR leads at 31. 5% versus 5. 6% for FIHL. At the gross margin level — before operating expenses — RNR leads at 40. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FIHL or RNR more undervalued right now?
On forward earnings alone, Fidelis Insurance Holdings Limited (FIHL) trades at 6.
3x forward P/E versus 7. 7x for RenaissanceRe Holdings Ltd. — 1. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RNR: 1. 9% to $308. 33.
08Which pays a better dividend — FIHL or RNR?
All stocks in this comparison pay dividends.
Fidelis Insurance Holdings Limited (FIHL) offers the highest yield at 1. 9%, versus 0. 6% for RenaissanceRe Holdings Ltd. (RNR).
09Is FIHL or RNR better for a retirement portfolio?
For long-horizon retirement investors, RenaissanceRe Holdings Ltd.
(RNR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 03), 0. 6% yield, +182. 4% 10Y return). Both have compounded well over 10 years (RNR: +182. 4%, FIHL: +70. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FIHL and RNR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FIHL is a small-cap quality compounder stock; RNR is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FIHL: -4.6% · RNR: -36.4%)P/E Ratio<
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