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

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

Company Profile

SymbolCINFRNR
Company NameCincinnati Financial CorporationRenaissanceRe Holdings Ltd.
CountryUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS IndustryInsuranceInsurance
Market Capitalization24.08 billion USD11.49 billion USD
ExchangeNasdaqGSNYSE
Listing DateMarch 17, 1980July 27, 1995
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CINF 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.

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

Historical Performance at a Glance

SymbolCINFRNR
5-Day Price Return1.68%1.90%
13-Week Price Return2.67%-1.68%
26-Week Price Return11.67%1.30%
52-Week Price Return21.40%4.00%
Month-to-Date Return4.41%0.13%
Year-to-Date Return7.17%-1.91%
10-Day Avg. Volume0.58M0.33M
3-Month Avg. Volume0.61M0.45M
3-Month Volatility21.67%21.47%
Beta0.750.28

Profitability

Return on Equity (TTM)

CINF

13.06%

Insurance Industry

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

CINF’s Return on Equity of 13.06% is on par with the norm for the Insurance 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.

CINF vs. RNR: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

CINF

15.59%

Insurance Industry

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

A Net Profit Margin of 15.59% places CINF in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

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.

CINF vs. RNR: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

CINF

19.70%

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.

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.

CINF vs. RNR: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

SymbolCINFRNR
Return on Equity (TTM)13.06%18.60%
Return on Assets (TTM)4.87%3.77%
Net Profit Margin (TTM)15.59%15.97%
Operating Profit Margin (TTM)19.70%20.72%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CINF

1.87

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.

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.

CINF vs. RNR: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

CINF

0.06

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.

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.

CINF vs. RNR: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

CINF

54.92

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.

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.

CINF vs. RNR: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

SymbolCINFRNR
Current Ratio (MRQ)1.870.57
Quick Ratio (MRQ)1.870.57
Debt-to-Equity Ratio (MRQ)0.060.21
Interest Coverage Ratio (TTM)54.9211.16

Growth

Revenue Growth

CINF 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

CINF 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)

CINF

2.13%

Insurance Industry

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

CINF’s Dividend Yield of 2.13% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

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.

CINF vs. RNR: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

CINF

20.00%

Insurance Industry

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

CINF’s Dividend Payout Ratio of 20.00% 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.

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.

CINF vs. RNR: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

SymbolCINFRNR
Dividend Yield (TTM)2.13%1.00%
Dividend Payout Ratio (TTM)20.00%3.90%

Valuation

Price-to-Earnings Ratio (TTM)

CINF

13.05

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

CINF’s P/E Ratio of 13.05 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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.

CINF vs. RNR: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

CINF

2.04

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

CINF’s P/S Ratio of 2.04 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

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.

CINF vs. RNR: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

CINF

1.63

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

CINF’s P/B Ratio of 1.63 is within the conventional range for the Insurance 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.

CINF vs. RNR: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

SymbolCINFRNR
Price-to-Earnings Ratio (TTM)13.055.71
Price-to-Sales Ratio (TTM)2.040.91
Price-to-Book Ratio (MRQ)1.631.09
Price-to-Free Cash Flow Ratio (TTM)9.182.93