HIG vs. RNR: Hartford Insurance vs. RenaissanceRe Stock Comparison
How do Hartford Insurance (HIG) and RenaissanceRe (RNR) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Hartford Insurance (HIG) and RenaissanceRe (RNR) both belong to the Insurance industry, though HIG is classified under Multi-line Insurance while RNR falls under Reinsurance.
| Profile Item | HIG | RNR |
|---|---|---|
| Name | The Hartford Insurance Group, Inc. | RenaissanceRe Holdings Ltd. |
| Country/Region | United States | Bermuda |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Multi-line Insurance | Reinsurance |
| Market Capitalization | 35.83 billion USD | 14.04 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1995 | July 27, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HIG | RNR |
|---|---|---|
| Total Return (1Y) | 5.95% | 29.60% |
| Total Return (3Y, Annualized) | 24.69% | 19.53% |
| Total Return (5Y, Annualized) | 15.57% | 18.22% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HIG | RNR |
|---|---|---|
| Volatility (1Y, Annualized) | 20.18% | 23.23% |
| Beta (5Y) | 0.46 | 0.12 |
| Max Drawdown (5Y) | -18.63% | -27.71% |
| Avg. Volume (3M) | 1.65M | 361.04K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HIG | RNR |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 1.09 |
| Sortino Ratio (1Y) | 0.12 | 1.64 |
Profitability
ROE (TTM)
Hartford Insurance (HIG) at 23.25% sits in the top ROE quartile, while RenaissanceRe (RNR) at 13.98% is closer to the peer norm — stronger capital efficiency for HIG.
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
RNR
Insurance industry group
13.98%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- RNR
- 13.98%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Hartford Insurance (HIG) at 15.58% and RenaissanceRe (RNR) at 16.20% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
HIG
Insurance industry group
15.58%
- Max
- 29.92%
- Q3
- 17.03%
- HIG
- 15.58%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
RNR
Insurance industry group
16.20%
- Max
- 29.92%
- Q3
- 17.03%
- RNR
- 16.20%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Hartford Insurance (HIG) in Insurance and RenaissanceRe (RNR) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HIG | RNR |
|---|---|---|
| ROE (TTM) | 23.25% | 13.98% |
| ROA (TTM) | 4.09% | 3.49% |
| Net Margin (TTM) | 15.58% | 16.20% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Hartford Insurance (HIG) at 6.39% and RenaissanceRe (RNR) at 9.69% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Hartford Insurance (HIG) at 28.70% and RenaissanceRe (RNR) at 59.13% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | HIG | RNR |
|---|---|---|
| Revenue Growth (YoY) | 6.39% | 9.69% |
| Revenue Growth (3Y CAGR) | 8.70% | 36.27% |
| EPS Growth (YoY) | 28.70% | 59.13% |
| EPS Growth (3Y CAGR) | 34.78% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Hartford Insurance (HIG) in Insurance and RenaissanceRe (RNR) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Hartford Insurance (HIG) in Insurance and RenaissanceRe (RNR) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | HIG | RNR |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Hartford Insurance (HIG) at 1.75% and RenaissanceRe (RNR) at 0.46% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
HIG
Insurance industry group
1.75%
- Max
- 5.12%
- Q3
- 2.15%
- HIG
- 1.75%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
RNR
Insurance industry group
0.46%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- RNR
- 0.46%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Hartford Insurance (HIG) at 15.48% and RenaissanceRe (RNR) at 4.66% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
RNR
Insurance industry group
4.66%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- RNR
- 4.66%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | HIG | RNR |
|---|---|---|
| Dividend Yield (TTM) | 1.75% | 0.46% |
| Dividend Payout Ratio (TTM) | 15.48% | 4.66% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while RenaissanceRe (RNR) at 9.94 is closer to its industry’s usual earnings multiple — a discount for HIG, though growth and earnings durability still matter.
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
RNR
Insurance industry group
9.94
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- RNR
- 9.94
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Hartford Insurance (HIG) at 1.21 and RenaissanceRe (RNR) at 1.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
RNR
Insurance industry group
1.45
- Max
- 4.03
- Q3
- 2.25
- RNR
- 1.45
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Hartford Insurance (HIG) at 1.94 and RenaissanceRe (RNR) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
RNR
Insurance industry group
1.34
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- RNR
- 1.34
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | HIG | RNR |
|---|---|---|
| P/E Ratio (TTM) | 8.97 | 9.94 |
| P/S Ratio (TTM) | 1.21 | 1.45 |
| P/B Ratio (MRQ) | 1.94 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |