CIB vs. RNR: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at CIB and RNR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

CIB trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, RNR is a standard domestic listing.

Symbol	CIB	RNR
Company Name	Grupo Cibest S.A.	RenaissanceRe Holdings Ltd.
Country	Colombia	Bermuda
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	12.52 billion USD	11.49 billion USD
Exchange	NYSE	NYSE
Listing Date	July 26, 1995	July 27, 1995
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of CIB and RNR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CIB vs. RNR: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	CIB	RNR
5-Day Price Return	0.67%	1.90%
13-Week Price Return	6.71%	-1.68%
26-Week Price Return	2.79%	1.30%
52-Week Price Return	-27.92%	4.00%
Month-to-Date Return	2.90%	0.13%
Year-to-Date Return	-28.94%	-1.91%
10-Day Avg. Volume	0.05M	0.33M
3-Month Avg. Volume	3.15M	0.45M
3-Month Volatility	--	21.47%
Beta	1.34	0.28

Profitability

Return on Equity (TTM)

CIB

15.44%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

CIB’s Return on Equity of 15.44% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

RNR

18.60%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

In the upper quartile for the Insurance industry, RNR’s Return on Equity of 18.60% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CIB vs. RNR: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

CIB

20.33%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, CIB’s Net Profit Margin of 20.33% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

RNR

15.97%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 15.97% places RNR in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

CIB vs. RNR: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

CIB

25.93%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

CIB’s Operating Profit Margin of 25.93% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

RNR

20.72%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

CIB vs. RNR: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	CIB	RNR
Return on Equity (TTM)	15.44%	18.60%
Return on Assets (TTM)	1.76%	3.77%
Net Profit Margin (TTM)	20.33%	15.97%
Operating Profit Margin (TTM)	25.93%	20.72%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

CIB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

RNR

0.57

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CIB vs. RNR: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CIB

0.65

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

RNR

0.21

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

CIB vs. RNR: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

CIB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

RNR

11.16

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

CIB vs. RNR: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	CIB	RNR
Current Ratio (MRQ)	--	0.57
Quick Ratio (MRQ)	--	0.57
Debt-to-Equity Ratio (MRQ)	0.65	0.21
Interest Coverage Ratio (TTM)	--	11.16

Growth

Revenue Growth

CIB vs. RNR: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CIB vs. RNR: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CIB

12.09%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

CIB’s Dividend Yield of 12.09% is exceptionally high, placing it well above the typical range for the Banks industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

RNR

1.00%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

RNR’s Dividend Yield of 1.00% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

CIB vs. RNR: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

CIB

53.59%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

CIB’s Dividend Payout Ratio of 53.59% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

RNR

3.90%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

RNR’s Dividend Payout Ratio of 3.90% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

CIB vs. RNR: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	CIB	RNR
Dividend Yield (TTM)	12.09%	1.00%
Dividend Payout Ratio (TTM)	53.59%	3.90%

Valuation

Price-to-Earnings Ratio (TTM)

CIB

4.43

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

In the lower quartile for the Banks industry, CIB’s P/E Ratio of 4.43 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

RNR

5.71

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

In the lower quartile for the Insurance industry, RNR’s P/E Ratio of 5.71 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CIB vs. RNR: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

CIB

0.89

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

RNR

0.91

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

RNR’s P/S Ratio of 0.91 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CIB vs. RNR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

CIB

1.05

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

CIB’s P/B Ratio of 1.05 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

RNR

1.09

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

RNR’s P/B Ratio of 1.09 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

CIB vs. RNR: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	CIB	RNR
Price-to-Earnings Ratio (TTM)	4.43	5.71
Price-to-Sales Ratio (TTM)	0.89	0.91
Price-to-Book Ratio (MRQ)	1.05	1.09
Price-to-Free Cash Flow Ratio (TTM)	1.86	2.93