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

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

Company Profile

SymbolFCNCARNR
Company NameFirst Citizens BancShares, Inc.RenaissanceRe Holdings Ltd.
CountryUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization24.35 billion USD11.49 billion USD
ExchangeNasdaqGSNYSE
Listing DateOctober 22, 1986July 27, 1995
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of FCNCA 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.

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

Historical Performance at a Glance

SymbolFCNCARNR
5-Day Price Return4.61%1.90%
13-Week Price Return-1.83%-1.68%
26-Week Price Return-13.83%1.30%
52-Week Price Return-2.91%4.00%
Month-to-Date Return-4.51%0.13%
Year-to-Date Return-9.86%-1.91%
10-Day Avg. Volume0.16M0.33M
3-Month Avg. Volume0.10M0.45M
3-Month Volatility26.94%21.47%
Beta0.660.28

Profitability

Return on Equity (TTM)

FCNCA

10.70%

Banks Industry

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

FCNCA’s Return on Equity of 10.70% 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.

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

Net Profit Margin (TTM)

FCNCA

--

Banks Industry

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

Net Profit Margin data for FCNCA is currently unavailable.

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.

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

Operating Profit Margin (TTM)

FCNCA

--

Banks Industry

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

Operating Profit Margin data for FCNCA is currently unavailable.

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.

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

Profitability at a Glance

SymbolFCNCARNR
Return on Equity (TTM)10.70%18.60%
Return on Assets (TTM)1.06%3.77%
Net Profit Margin (TTM)--15.97%
Operating Profit Margin (TTM)--20.72%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

FCNCA

--

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.

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

Debt-to-Equity Ratio (MRQ)

FCNCA

1.76

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.

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

Interest Coverage Ratio (TTM)

FCNCA

--

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.

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

Financial Strength at a Glance

SymbolFCNCARNR
Current Ratio (MRQ)--0.57
Quick Ratio (MRQ)--0.57
Debt-to-Equity Ratio (MRQ)1.760.21
Interest Coverage Ratio (TTM)--11.16

Growth

Revenue Growth

FCNCA 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

FCNCA 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)

FCNCA

0.67%

Banks Industry

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

FCNCA’s Dividend Yield of 0.67% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

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.

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

Dividend Payout Ratio (TTM)

FCNCA

6.37%

Banks Industry

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

FCNCA’s Dividend Payout Ratio of 6.37% is in the lower quartile for the Banks 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.

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

Dividend at a Glance

SymbolFCNCARNR
Dividend Yield (TTM)0.67%1.00%
Dividend Payout Ratio (TTM)6.37%3.90%

Valuation

Price-to-Earnings Ratio (TTM)

FCNCA

10.08

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

FCNCA’s P/E Ratio of 10.08 is within the middle range for the Banks 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.

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

Price-to-Sales Ratio (TTM)

FCNCA

--

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.

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

Price-to-Book Ratio (MRQ)

FCNCA

1.24

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

FCNCA’s P/B Ratio of 1.24 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.

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

Valuation at a Glance

SymbolFCNCARNR
Price-to-Earnings Ratio (TTM)10.085.71
Price-to-Sales Ratio (TTM)--0.91
Price-to-Book Ratio (MRQ)1.241.09
Price-to-Free Cash Flow Ratio (TTM)16.632.93