RNR
RenaissanceRe Holdings Ltd.
Insurance - Reinsurance
Market Cap$13.06B
5Y Perf.+80.3%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
RNR vs CB
Revenue, margins, valuation, and 5-year total return — side by side.
CB
Chubb Limited
Insurance - Property & Casualty
Market Cap$125.61B
5Y Perf.+164.0%
RNR vs CB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RNR | CB |
|---|---|---|
| Industry | Insurance - Reinsurance | Insurance - Property & Casualty |
| Market Cap | $13.06B | $125.61B |
| Revenue (TTM) | $11.49B | $59.77B |
| Net Income (TTM) | $3.09B | $10.31B |
| Gross Margin | 44.6% | 29.4% |
| Operating Margin | 35.5% | 21.8% |
| Forward P/E | 7.7x | 11.9x |
| Total Debt | $2.33B | $22.19B |
| Cash & Equiv. | $1.73B | $2.47B |
RNR vs CB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RNR
CB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| RenaissanceRe Holdi… (RNR) | 100 | 180.3 | +80.3% |
| Chubb Limited (CB) | 100 | 264.0 | +164.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RNR vs CB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RNR leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Chubb Limited is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 9.4%, EPS growth 60.8%, 3Y rev CAGR 36.2%
- Lower volatility, beta -0.03, Low D/E 12.1%, current ratio 5.03x
- PEG 0.26 vs CB's 0.44
Best for: growth exposure and sleep-well-at-night
CB
Chubb Limited
The Insurance Pick
CB is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 9 yrs, beta -0.01, yield 1.2%
- 189.4% 10Y total return vs RNR's 182.4%
- Beta -0.01, yield 1.2%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RNR | 9.4% revenue growth vs CB's 6.5% |
| Value | RNR | Lower P/E (7.7x vs 11.9x), PEG 0.26 vs 0.44 |
| Quality / Margins | RNR | Combined ratio 0.7 vs CB's 0.8 (lower = better underwriting) |
| Stability / Safety | RNR | Lower D/E ratio (12.1% vs 27.8%) |
| Dividends | CB | 1.2% yield, 9-year raise streak, vs RNR's 0.6% |
| Momentum (1Y) | RNR | +22.9% vs CB's +12.7% |
| Efficiency (ROA) | RNR | 5.7% ROA vs CB's 4.0%, ROIC 16.0% vs 10.8% |
RNR vs CB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
RNR vs CB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGCB
CBChubb Limited
2leads
RNRRenaissanceRe Holding…
4leads
6 Total Categories
CATEGORYLEADERvs CBMETRICS 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
RNR9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CB4/6
Risk & VolatilityBeta, volatility, and downside exposure
RNR2/2
Analyst OutlookRatings, price targets, and dividends
CB2/2
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CB is the larger business by revenue, generating $59.8B annually — 5.2x RNR's $11.5B. RNR is the more profitable business, keeping 26.9% of every revenue dollar as net income compared to CB's 17.2%. On growth, CB holds the edge at +7.9% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| RevenueTrailing 12 months | $11.5B | $59.8B |
| EBITDAEarnings before interest/tax | $4.1B | $13.3B |
| Net IncomeAfter-tax profit | $3.1B | $10.3B |
| Free Cash FlowCash after capex | $4.2B | $13.5B |
| Gross MarginGross profit ÷ Revenue | +44.6% | +29.4% |
| Operating MarginEBIT ÷ Revenue | +35.5% | +21.8% |
| Net MarginNet income ÷ Revenue | +26.9% | +17.2% |
| FCF MarginFCF ÷ Revenue | +36.7% | +22.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | -36.4% | +7.9% |
| EPS Growth (YoY)Latest quarter vs prior year | +100.9% | +28.0% |
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 57% valuation discount to CB's 12.5x P/E. Adjusting for growth (PEG ratio), RNR offers better value at 0.18x vs CB's 0.46x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| Market CapShares × price | $13.1B | $125.6B |
| Enterprise ValueMkt cap + debt − cash | $13.7B | $145.3B |
| Trailing P/EPrice ÷ TTM EPS | 5.34x | 12.51x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.71x | 11.89x |
| PEG RatioP/E ÷ EPS growth rate | 0.18x | 0.46x |
| EV / EBITDAEnterprise value multiple | 3.40x | 10.89x |
| Price / SalesMarket cap ÷ Revenue | 1.02x | 2.10x |
| Price / BookPrice ÷ Book value/share | 0.71x | 1.60x |
| Price / FCFMarket cap ÷ FCF | 3.54x | 8.64x |
RNR leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
RNR leads this category, winning 9 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 $14 for CB. RNR carries lower financial leverage with a 0.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to CB's 0.28x. On the Piotroski fundamental quality scale (0–9), RNR scores 8/9 vs CB's 7/9, reflecting strong financial health.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| ROE (TTM)Return on equity | +16.6% | +13.6% |
| ROA (TTM)Return on assets | +5.7% | +4.0% |
| ROICReturn on invested capital | +16.0% | +10.8% |
| ROCEReturn on capital employed | +10.7% | +5.3% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 |
| Debt / EquityFinancial leverage | 0.12x | 0.28x |
| Net DebtTotal debt minus cash | $598M | $19.7B |
| Cash & Equiv.Liquid assets | $1.7B | $2.5B |
| Total DebtShort + long-term debt | $2.3B | $22.2B |
| Interest CoverageEBIT ÷ Interest expense | 33.28x | 18.07x |
RNR leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CB five years ago would be worth $19,590 today (with dividends reinvested), compared to $18,967 for RNR. Over the past 12 months, RNR leads with a +22.9% total return vs CB's +12.7%. The 3-year compound annual growth rate (CAGR) favors CB at 18.6% vs RNR's 13.6% — a key indicator of consistent wealth creation.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| YTD ReturnYear-to-date | +11.3% | +4.1% |
| 1-Year ReturnPast 12 months | +22.9% | +12.7% |
| 3-Year ReturnCumulative with dividends | +46.6% | +66.7% |
| 5-Year ReturnCumulative with dividends | +89.7% | +95.9% |
| 10-Year ReturnCumulative with dividends | +182.4% | +189.4% |
| CAGR (3Y)Annualised 3-year return | +13.6% | +18.6% |
CB 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 CB's -0.01 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.03x | -0.01x |
| 52-Week HighHighest price in past year | $318.20 | $345.67 |
| 52-Week LowLowest price in past year | $231.17 | $264.10 |
| % of 52W HighCurrent price vs 52-week peak | +95.1% | +93.1% |
| RSI (14)Momentum oscillator 0–100 | 46.0 | 43.7 |
| Avg Volume (50D)Average daily shares traded | 308K | 1.6M |
RNR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates RNR as "Hold" and CB as "Buy". Consensus price targets imply 7.0% upside for CB (target: $344) vs 1.9% for RNR (target: $308). For income investors, CB offers the higher dividend yield at 1.18% vs RNR's 0.55%.
| Metric | RNRRenaissanceRe Hol… | CBChubb Limited |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $308.33 | $344.33 |
| # AnalystsCovering analysts | 28 | 43 |
| Dividend YieldAnnual dividend ÷ price | +0.6% | +1.2% |
| Dividend StreakConsecutive years of raises | 1 | 9 |
| Dividend / ShareAnnual DPS | $1.67 | $3.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +12.2% | +2.9% |
CB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RNR leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). CB leads in 2 (Total Returns, Analyst Outlook).
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 4 of 6 categories
Loading custom metrics...
RNR vs CB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is RNR or CB 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 6. 5% for Chubb Limited (CB). 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 Chubb Limited (CB) a "Buy" — based on 43 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 — RNR or CB?
On trailing P/E, RenaissanceRe Holdings Ltd.
(RNR) is the cheapest at 5. 3x versus Chubb Limited at 12. 5x. 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 Chubb Limited's 0. 44x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — RNR or CB?
Over the past 5 years, Chubb Limited (CB) delivered a total return of +95.
9%, compared to +89. 7% for RenaissanceRe Holdings Ltd. (RNR). Over 10 years, the gap is even starker: CB returned +189. 4% 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 — RNR or CB?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus Chubb Limited's -0. 01β — meaning CB is approximately -83% 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 28% for Chubb Limited — giving it more financial flexibility in a downturn.
05Which is growing faster — RNR or CB?
By revenue growth (latest reported year), RenaissanceRe Holdings Ltd.
(RNR) is pulling ahead at 9. 4% versus 6. 5% for Chubb Limited (CB). On earnings-per-share growth, the picture is similar: RenaissanceRe Holdings Ltd. grew EPS 60. 8% year-over-year, compared to 13. 3% for Chubb 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 — RNR or CB?
RenaissanceRe Holdings Ltd.
(RNR) is the more profitable company, earning 21. 0% net margin versus 17. 2% for Chubb 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 21. 8% for CB. 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 RNR or CB 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 Chubb Limited's 0. 44x. 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 11. 9x for Chubb Limited — 4. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CB: 7. 0% to $344. 33.
08Which pays a better dividend — RNR or CB?
All stocks in this comparison pay dividends.
Chubb Limited (CB) offers the highest yield at 1. 2%, versus 0. 6% for RenaissanceRe Holdings Ltd. (RNR).
09Is RNR or CB 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%, CB: +189. 4%), 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 RNR and CB?
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.
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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(RNR: -36.4% · CB: 7.9%)Net Margin>
%
(RNR: 26.9% · CB: 17.2%)P/E Ratio<
x
(RNR: 5.3x · CB: 12.5x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.