ACGL
Arch Capital Group Ltd.
Insurance - Diversified
Market Cap$33.74B
5Y Perf.+235.6%
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Stock Comparison
ACGL 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.+80.3%
ACGL vs RNR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ACGL | RNR |
|---|---|---|
| Industry | Insurance - Diversified | Insurance - Reinsurance |
| Market Cap | $33.74B | $13.06B |
| Revenue (TTM) | $19.93B | $11.49B |
| Net Income (TTM) | $4.40B | $3.09B |
| Gross Margin | 37.2% | 44.6% |
| Operating Margin | 25.0% | 35.5% |
| Forward P/E | 10.1x | 7.7x |
| Total Debt | $2.73B | $2.33B |
| Cash & Equiv. | $993M | $1.73B |
ACGL vs RNR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ACGL
RNR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Arch Capital Group … (ACGL) | 100 | 335.6 | +235.6% |
| RenaissanceRe Holdi… (RNR) | 100 | 180.3 | +80.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ACGL 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 valuation and capital efficiency and profitability and margin quality. Arch Capital Group Ltd. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
ACGL
Arch Capital Group Ltd.
The Insurance Pick
ACGL is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 14.3%, EPS growth 3.8%, 3Y rev CAGR 27.3%
- 325.3% 10Y total return vs RNR's 182.4%
- Lower volatility, beta 0.02, Low D/E 11.3%, current ratio 1.21x
Best for: growth exposure and long-term compounding
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for income & stability and valuation efficiency.
- Dividend streak 1 yrs, beta -0.03, yield 0.6%
- PEG 0.26 vs ACGL's 0.35
- Beta -0.03, yield 0.6%, current ratio 5.03x
Best for: income & stability and valuation efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ACGL | 14.3% revenue growth vs RNR's 9.4% |
| Value | RNR | Lower P/E (7.7x vs 10.1x), PEG 0.26 vs 0.35 |
| Quality / Margins | RNR | Combined ratio 0.7 vs ACGL's 0.8 (lower = better underwriting) |
| Stability / Safety | ACGL | Lower D/E ratio (11.3% vs 12.1%) |
| Dividends | RNR | 0.6% yield, 1-year raise streak, vs ACGL's 0.0% |
| Momentum (1Y) | RNR | +22.9% vs ACGL's +1.8% |
| Efficiency (ROA) | ACGL | 5.9% ROA vs RNR's 5.7%, ROIC 15.4% vs 16.0% |
ACGL vs RNR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
ACGL vs RNR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGACGL
ACGLArch Capital Group Lt…
1leads
RNRRenaissanceRe Holding…
5leads
6 Total Categories
CATEGORYLEADERvs ACGLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RNR5/6
Valuation MetricsMultiples, price ratios, and targets
RNR7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ACGL5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RNR4/6
Risk & VolatilityBeta, volatility, and downside exposure
RNR2/2
Analyst OutlookRatings, price targets, and dividends
RNR2/2
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
ACGL is the larger business by revenue, generating $19.9B annually — 1.7x RNR's $11.5B. Profitability is closely matched — net margins range from 26.9% (RNR) to 22.1% (ACGL). On growth, ACGL holds the edge at +7.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| RevenueTrailing 12 months | $19.9B | $11.5B |
| EBITDAEarnings before interest/tax | $5.2B | $4.1B |
| Net IncomeAfter-tax profit | $4.4B | $3.1B |
| Free Cash FlowCash after capex | $6.1B | $4.2B |
| Gross MarginGross profit ÷ Revenue | +37.2% | +44.6% |
| Operating MarginEBIT ÷ Revenue | +25.0% | +35.5% |
| Net MarginNet income ÷ Revenue | +22.1% | +26.9% |
| FCF MarginFCF ÷ Revenue | +30.7% | +36.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.3% | -36.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +39.0% | +100.9% |
RNR leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
RNR leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 5.3x trailing earnings, RNR trades at a 34% valuation discount to ACGL's 8.1x P/E. Adjusting for growth (PEG ratio), RNR offers better value at 0.18x vs ACGL's 0.29x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| Market CapShares × price | $33.7B | $13.1B |
| Enterprise ValueMkt cap + debt − cash | $35.5B | $13.7B |
| Trailing P/EPrice ÷ TTM EPS | 8.15x | 5.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.07x | 7.71x |
| PEG RatioP/E ÷ EPS growth rate | 0.29x | 0.18x |
| EV / EBITDAEnterprise value multiple | 6.86x | 3.40x |
| Price / SalesMarket cap ÷ Revenue | 1.69x | 1.02x |
| Price / BookPrice ÷ Book value/share | 1.47x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 5.51x | 3.54x |
RNR leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
ACGL leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
ACGL delivers a 19.0% return on equity — every $100 of shareholder capital generates $19 in annual profit, vs $17 for RNR. ACGL carries lower financial leverage with a 0.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to RNR's 0.12x. On the Piotroski fundamental quality scale (0–9), RNR scores 8/9 vs ACGL's 7/9, reflecting strong financial health.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +19.0% | +16.6% |
| ROA (TTM)Return on assets | +5.9% | +5.7% |
| ROICReturn on invested capital | +15.4% | +16.0% |
| ROCEReturn on capital employed | +11.6% | +10.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 0.11x | 0.12x |
| Net DebtTotal debt minus cash | $1.7B | $598M |
| Cash & Equiv.Liquid assets | $993M | $1.7B |
| Total DebtShort + long-term debt | $2.7B | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 34.86x | 33.28x |
ACGL leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RNR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ACGL five years ago would be worth $25,069 today (with dividends reinvested), compared to $18,967 for RNR. Over the past 12 months, RNR leads with a +22.9% total return vs ACGL's +1.8%. The 3-year compound annual growth rate (CAGR) favors RNR at 13.6% vs ACGL's 9.4% — a key indicator of consistent wealth creation.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +0.9% | +11.3% |
| 1-Year ReturnPast 12 months | +1.8% | +22.9% |
| 3-Year ReturnCumulative with dividends | +30.9% | +46.6% |
| 5-Year ReturnCumulative with dividends | +150.7% | +89.7% |
| 10-Year ReturnCumulative with dividends | +325.3% | +182.4% |
| CAGR (3Y)Annualised 3-year return | +9.4% | +13.6% |
RNR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
RNR leads this category, winning 2 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 ACGL's 0.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RNR currently trades 95.1% from its 52-week high vs ACGL's 91.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.02x | -0.03x |
| 52-Week HighHighest price in past year | $103.39 | $318.20 |
| 52-Week LowLowest price in past year | $82.45 | $231.17 |
| % of 52W HighCurrent price vs 52-week peak | +91.6% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 44.1 | 46.0 |
| Avg Volume (50D)Average daily shares traded | 1.9M | 308K |
RNR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RNR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates ACGL as "Buy" and RNR as "Hold". Consensus price targets imply 9.8% upside for ACGL (target: $104) vs 1.9% for RNR (target: $308). RNR is the only dividend payer here at 0.55% yield — a key consideration for income-focused portfolios.
| Metric | ACGLArch Capital Grou… | RNRRenaissanceRe Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $104.00 | $308.33 |
| # AnalystsCovering analysts | 34 | 28 |
| Dividend YieldAnnual dividend ÷ price | +0.0% | +0.6% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.02 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.6% | +12.2% |
RNR leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RNR leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). ACGL leads in 1 (Profitability & Efficiency).
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 5 of 6 categories
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ACGL vs RNR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ACGL or RNR a better buy right now?
For growth investors, Arch Capital Group Ltd.
(ACGL) is the stronger pick with 14. 3% revenue growth year-over-year, versus 9. 4% for RenaissanceRe Holdings Ltd. (RNR). 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 Arch Capital Group Ltd. (ACGL) a "Buy" — based on 34 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 — ACGL or RNR?
On trailing P/E, RenaissanceRe Holdings Ltd.
(RNR) is the cheapest at 5. 3x versus Arch Capital Group Ltd. at 8. 1x. On forward P/E, RenaissanceRe Holdings Ltd. is actually cheaper at 7. 7x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: RenaissanceRe Holdings Ltd. wins at 0. 26x versus Arch Capital Group Ltd. 's 0. 35x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — ACGL or RNR?
Over the past 5 years, Arch Capital Group Ltd.
(ACGL) delivered a total return of +150. 7%, compared to +89. 7% for RenaissanceRe Holdings Ltd. (RNR). Over 10 years, the gap is even starker: ACGL returned +325. 3% versus RNR's +182. 4%. 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 — ACGL or RNR?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus Arch Capital Group Ltd. 's 0. 02β — meaning ACGL is approximately -148% more volatile than RNR relative to the S&P 500. On balance sheet safety, Arch Capital Group Ltd. (ACGL) carries a lower debt/equity ratio of 11% versus 12% for RenaissanceRe Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — ACGL or RNR?
By revenue growth (latest reported year), Arch Capital Group Ltd.
(ACGL) is pulling ahead at 14. 3% versus 9. 4% for RenaissanceRe Holdings Ltd. (RNR). On earnings-per-share growth, the picture is similar: RenaissanceRe Holdings Ltd. grew EPS 60. 8% year-over-year, compared to 3. 8% for Arch Capital Group Ltd.. 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 — ACGL or RNR?
Arch Capital Group Ltd.
(ACGL) is the more profitable company, earning 22. 1% net margin versus 21. 0% for RenaissanceRe Holdings Ltd. — meaning it keeps 22. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RNR leads at 31. 5% versus 25. 0% for ACGL. 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 ACGL or RNR more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, RenaissanceRe Holdings Ltd. (RNR) is the more undervalued stock at a PEG of 0. 26x versus Arch Capital Group Ltd. 's 0. 35x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, RenaissanceRe Holdings Ltd. (RNR) trades at 7. 7x forward P/E versus 10. 1x for Arch Capital Group Ltd. — 2. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ACGL: 9. 8% to $104. 00.
08Which pays a better dividend — ACGL or RNR?
In this comparison, RNR (0.
6% yield) pays a dividend. ACGL does not pay a meaningful dividend and should not be held primarily for income.
09Is ACGL 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%, ACGL: +325. 3%), 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 ACGL 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.
RNR pays a dividend while ACGL does not, making them suitable for different income and tax situations. 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>
%
(ACGL: 7.3% · RNR: -36.4%)Net Margin>
%
(ACGL: 22.1% · RNR: 26.9%)P/E Ratio<
x
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