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

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

Company Profile

HDB 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.

SymbolHDBRNR
Company NameHDFC Bank LimitedRenaissanceRe Holdings Ltd.
CountryIndiaBermuda
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization175.40 billion USD12.21 billion USD
ExchangeNYSENYSE
Listing DateJuly 20, 2001July 27, 1995
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of HDB 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.

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

Historical Performance at a Glance

SymbolHDBRNR
5-Day Price Return2.21%3.71%
13-Week Price Return-2.78%7.73%
26-Week Price Return7.06%8.13%
52-Week Price Return11.45%-5.74%
Month-to-Date Return1.33%2.20%
Year-to-Date Return8.93%4.30%
10-Day Avg. Volume23.72M0.36M
3-Month Avg. Volume17.85M0.43M
3-Month Volatility11.83%18.93%
Beta0.900.28

Profitability

Return on Equity (TTM)

HDB

13.78%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

HDB’s Return on Equity of 13.78% 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
30.96%
Q3
18.76%
Median
14.22%
Q1
10.34%
Min
1.73%

RNR’s Return on Equity of 18.60% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

HDB

32.49%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

HDB’s Net Profit Margin of 32.49% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

RNR

15.97%

Insurance Industry

Max
26.78%
Q3
14.69%
Median
9.87%
Q1
6.59%
Min
-3.51%

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.

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

Operating Profit Margin (TTM)

HDB

42.04%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

HDB’s Operating Profit Margin of 42.04% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

RNR

20.72%

Insurance Industry

Max
34.52%
Q3
20.17%
Median
14.46%
Q1
9.62%
Min
-2.51%

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

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

Profitability at a Glance

SymbolHDBRNR
Return on Equity (TTM)13.78%18.60%
Return on Assets (TTM)1.64%3.77%
Net Profit Margin (TTM)32.49%15.97%
Operating Profit Margin (TTM)42.04%20.72%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

HDB

--

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
1.37
Median
0.54
Q1
0.15
Min
0.00

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

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

Debt-to-Equity Ratio (MRQ)

HDB

1.11

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
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
0.23
Min
0.00

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

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

Interest Coverage Ratio (TTM)

HDB

--

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
21.45
Median
9.67
Q1
3.55
Min
-5.73

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

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

Financial Strength at a Glance

SymbolHDBRNR
Current Ratio (MRQ)--0.57
Quick Ratio (MRQ)--0.57
Debt-to-Equity Ratio (MRQ)1.110.21
Interest Coverage Ratio (TTM)--11.16

Growth

Revenue Growth

HDB 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

HDB 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)

HDB

1.00%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

HDB’s Dividend Yield of 1.00% 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

0.94%

Insurance Industry

Max
9.80%
Q3
5.18%
Median
3.58%
Q1
2.07%
Min
0.00%

RNR’s Dividend Yield of 0.94% 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.

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

Dividend Payout Ratio (TTM)

HDB

83.17%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

HDB’s Dividend Payout Ratio of 83.17% is in the upper quartile for the Banks industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

RNR

3.90%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
53.26%
Q1
23.68%
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.

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

Dividend at a Glance

SymbolHDBRNR
Dividend Yield (TTM)1.00%0.94%
Dividend Payout Ratio (TTM)83.17%3.90%

Valuation

Price-to-Earnings Ratio (TTM)

HDB

21.01

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

A P/E Ratio of 21.01 places HDB in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

RNR

6.09

Insurance Industry

Max
30.75
Q3
18.11
Median
12.67
Q1
9.66
Min
2.87

In the lower quartile for the Insurance industry, RNR’s P/E Ratio of 6.09 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

HDB

6.77

Banks Industry

Max
4.90
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

0.97

Insurance Industry

Max
3.41
Q3
1.88
Median
1.22
Q1
0.80
Min
0.23

RNR’s P/S Ratio of 0.97 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.

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

Price-to-Book Ratio (MRQ)

HDB

2.83

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

At 2.83, HDB’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

RNR

1.09

Insurance Industry

Max
4.57
Q3
2.56
Median
1.88
Q1
1.20
Min
0.17

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.

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

Valuation at a Glance

SymbolHDBRNR
Price-to-Earnings Ratio (TTM)21.016.09
Price-to-Sales Ratio (TTM)6.770.97
Price-to-Book Ratio (MRQ)2.831.09
Price-to-Free Cash Flow Ratio (TTM)12.043.12