SPNT
SiriusPoint Ltd.
Insurance - Reinsurance
Market Cap$2.72B
5Y Perf.+215.4%
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Stock Comparison
SPNT 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%
SPNT vs RNR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SPNT | RNR |
|---|---|---|
| Industry | Insurance - Reinsurance | Insurance - Reinsurance |
| Market Cap | $2.72B | $13.06B |
| Revenue (TTM) | $3.19B | $11.49B |
| Net Income (TTM) | $460M | $3.09B |
| Gross Margin | 39.5% | 44.6% |
| Operating Margin | 17.0% | 35.5% |
| Forward P/E | 9.0x | 7.7x |
| Total Debt | $689M | $2.33B |
| Cash & Equiv. | $902M | $1.73B |
SPNT vs RNR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SPNT
RNR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| SiriusPoint Ltd. (SPNT) | 100 | 315.4 | +215.4% |
| RenaissanceRe Holdi… (RNR) | 100 | 180.3 | +80.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SPNT vs RNR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RNR leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. SiriusPoint Ltd. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
SPNT
SiriusPoint Ltd.
The Insurance Pick
SPNT is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.46, yield 0.6%
- Rev growth 22.6%, EPS growth 251.0%, 3Y rev CAGR 13.9%
- Beta 0.46, yield 0.6%
Best for: income & stability and growth exposure
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 182.4% 10Y total return vs SPNT's 110.8%
- Lower volatility, beta -0.03, Low D/E 12.1%, current ratio 5.03x
- PEG 0.26 vs SPNT's 0.47
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SPNT | 22.6% revenue growth vs RNR's 9.4% |
| Value | RNR | Lower P/E (7.7x vs 9.0x), PEG 0.26 vs 0.47 |
| Quality / Margins | RNR | Combined ratio 0.7 vs SPNT's 0.8 (lower = better underwriting) |
| Stability / Safety | RNR | Lower D/E ratio (12.1% vs 27.9%) |
| Dividends | SPNT | 0.6% yield, 2-year raise streak, vs RNR's 0.6% |
| Momentum (1Y) | RNR | +22.9% vs SPNT's +19.1% |
| Efficiency (ROA) | RNR | 5.7% ROA vs SPNT's 4.9%, ROIC 16.0% vs 19.6% |
SPNT vs RNR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
SPNT vs RNR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGSPNT
SPNTSiriusPoint Ltd.
1leads
RNRRenaissanceRe Holding…
3leads
6 Total Categories
CATEGORYLEADERvs SPNTMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RNR4/6
Valuation MetricsMultiples, price ratios, and targets
RNR6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RNR5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
SPNT2/2
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RNR is the larger business by revenue, generating $11.5B annually — 3.6x SPNT's $3.2B. RNR is the more profitable business, keeping 26.9% of every revenue dollar as net income compared to SPNT's 14.4%. On growth, SPNT holds the edge at +55.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $11.5B |
| EBITDAEarnings before interest/tax | $569M | $4.1B |
| Net IncomeAfter-tax profit | $460M | $3.1B |
| Free Cash FlowCash after capex | $96M | $4.2B |
| Gross MarginGross profit ÷ Revenue | +39.5% | +44.6% |
| Operating MarginEBIT ÷ Revenue | +17.0% | +35.5% |
| Net MarginNet income ÷ Revenue | +14.4% | +26.9% |
| FCF MarginFCF ÷ Revenue | +3.0% | +36.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +55.6% | -36.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +18.9% | +100.9% |
RNR leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
RNR leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 5.3x trailing earnings, RNR trades at a 16% valuation discount to SPNT's 6.4x P/E. Adjusting for growth (PEG ratio), RNR offers better value at 0.18x vs SPNT's 0.34x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| Market CapShares × price | $2.7B | $13.1B |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $13.7B |
| Trailing P/EPrice ÷ TTM EPS | 6.38x | 5.34x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.01x | 7.71x |
| PEG RatioP/E ÷ EPS growth rate | 0.34x | 0.18x |
| EV / EBITDAEnterprise value multiple | 4.62x | 3.40x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 1.02x |
| Price / BookPrice ÷ Book value/share | 1.15x | 0.71x |
| Price / FCFMarket cap ÷ FCF | 5.30x | 3.54x |
RNR leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
RNR leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
SPNT delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $17 for RNR. RNR carries lower financial leverage with a 0.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to SPNT's 0.28x. On the Piotroski fundamental quality scale (0–9), RNR scores 8/9 vs SPNT's 6/9, reflecting strong financial health.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +20.9% | +16.6% |
| ROA (TTM)Return on assets | +4.9% | +5.7% |
| ROICReturn on invested capital | +19.6% | +16.0% |
| ROCEReturn on capital employed | +8.6% | +10.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 0.28x | 0.12x |
| Net DebtTotal debt minus cash | -$214M | $598M |
| Cash & Equiv.Liquid assets | $902M | $1.7B |
| Total DebtShort + long-term debt | $689M | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 7.79x | 33.28x |
RNR leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — SPNT and RNR each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SPNT five years ago would be worth $22,121 today (with dividends reinvested), compared to $18,967 for RNR. Over the past 12 months, RNR leads with a +22.9% total return vs SPNT's +19.1%. The 3-year compound annual growth rate (CAGR) favors SPNT at 35.8% vs RNR's 13.6% — a key indicator of consistent wealth creation.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +10.5% | +11.3% |
| 1-Year ReturnPast 12 months | +19.1% | +22.9% |
| 3-Year ReturnCumulative with dividends | +150.6% | +46.6% |
| 5-Year ReturnCumulative with dividends | +121.2% | +89.7% |
| 10-Year ReturnCumulative with dividends | +110.8% | +182.4% |
| CAGR (3Y)Annualised 3-year return | +35.8% | +13.6% |
Evenly matched — SPNT and RNR each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — SPNT 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 SPNT's 0.46 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.46x | -0.03x |
| 52-Week HighHighest price in past year | $23.95 | $318.20 |
| 52-Week LowLowest price in past year | $17.17 | $231.17 |
| % of 52W HighCurrent price vs 52-week peak | +97.2% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 56.3 | 46.0 |
| Avg Volume (50D)Average daily shares traded | 614K | 308K |
Evenly matched — SPNT and RNR each lead in 1 of 2 comparable metrics.
Analyst Outlook
SPNT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Consensus price targets imply 7.4% upside for SPNT (target: $25) vs 1.9% for RNR (target: $308). For income investors, SPNT offers the higher dividend yield at 0.56% vs RNR's 0.55%.
| Metric | SPNTSiriusPoint Ltd. | RNRRenaissanceRe Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | $25.00 | $308.33 |
| # AnalystsCovering analysts | — | 28 |
| Dividend YieldAnnual dividend ÷ price | +0.6% | +0.6% |
| Dividend StreakConsecutive years of raises | 2 | 1 |
| Dividend / ShareAnnual DPS | $0.13 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | +18.0% | +12.2% |
SPNT leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RNR leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). SPNT leads in 1 (Analyst Outlook). 2 tied.
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 3 of 6 categories
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SPNT vs RNR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SPNT or RNR a better buy right now?
For growth investors, SiriusPoint Ltd.
(SPNT) is the stronger pick with 22. 6% 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 RenaissanceRe Holdings Ltd. (RNR) a "Hold" — based on 28 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 — SPNT or RNR?
On trailing P/E, RenaissanceRe Holdings Ltd.
(RNR) is the cheapest at 5. 3x versus SiriusPoint Ltd. at 6. 4x. 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 SiriusPoint Ltd. 's 0. 47x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SPNT or RNR?
Over the past 5 years, SiriusPoint Ltd.
(SPNT) delivered a total return of +121. 2%, compared to +89. 7% for RenaissanceRe Holdings Ltd. (RNR). Over 10 years, the gap is even starker: RNR returned +182. 4% versus SPNT's +110. 8%. 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 — SPNT or RNR?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus SiriusPoint Ltd. 's 0. 46β — meaning SPNT is approximately -1562% 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 SiriusPoint Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — SPNT or RNR?
By revenue growth (latest reported year), SiriusPoint Ltd.
(SPNT) is pulling ahead at 22. 6% versus 9. 4% for RenaissanceRe Holdings Ltd. (RNR). On earnings-per-share growth, the picture is similar: SiriusPoint Ltd. grew EPS 251. 0% year-over-year, compared to 60. 8% for RenaissanceRe Holdings 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 — SPNT or RNR?
RenaissanceRe Holdings Ltd.
(RNR) is the more profitable company, earning 21. 0% net margin versus 14. 3% for SiriusPoint Ltd. — 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 16. 9% for SPNT. At the gross margin level — before operating expenses — SPNT leads at 52. 6%, 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 SPNT 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 SiriusPoint Ltd. 's 0. 47x. 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 9. 0x for SiriusPoint Ltd. — 1. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SPNT: 7. 4% to $25. 00.
08Which pays a better dividend — SPNT or RNR?
All stocks in this comparison pay dividends.
SiriusPoint Ltd. (SPNT) offers the highest yield at 0. 6%, versus 0. 6% for RenaissanceRe Holdings Ltd. (RNR).
09Is SPNT 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%, SPNT: +110. 8%), 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 SPNT 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: SPNT is a small-cap high-growth 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>
%
(SPNT: 55.6% · RNR: -36.4%)Net Margin>
%
(SPNT: 14.4% · RNR: 26.9%)P/E Ratio<
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