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

Updated on August 27, 2025

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

Company Profile

IBN 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	IBN	RNR
Company Name	ICICI Bank Limited	RenaissanceRe Holdings Ltd.
Country	India	Bermuda
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	116.08 billion USD	11.55 billion USD
Exchange	NYSE	NYSE
Listing Date	March 28, 2000	July 27, 1995
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of IBN 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.

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

Historical Performance at a Glance

Symbol	IBN	RNR
5-Day Price Return	-0.26%	0.73%
13-Week Price Return	-1.87%	2.79%
26-Week Price Return	14.79%	6.63%
52-Week Price Return	20.35%	-0.74%
Month-to-Date Return	-3.49%	0.69%
Year-to-Date Return	11.66%	-1.36%
10-Day Avg. Volume	7.01M	0.29M
3-Month Avg. Volume	9.52M	0.43M
3-Month Volatility	12.40%	21.13%
Beta	0.26	0.28

Profitability

Return on Equity (TTM)

IBN

17.39%

Banks Industry

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

In the upper quartile for the Banks industry, IBN’s Return on Equity of 17.39% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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.

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

Net Profit Margin (TTM)

IBN

27.24%

Banks Industry

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

IBN’s Net Profit Margin of 27.24% 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: 14.06%
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.

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

Operating Profit Margin (TTM)

IBN

36.51%

Banks Industry

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

IBN’s Operating Profit Margin of 36.51% 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: 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.

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

Profitability at a Glance

Symbol	IBN	RNR
Return on Equity (TTM)	17.39%	18.60%
Return on Assets (TTM)	2.04%	3.77%
Net Profit Margin (TTM)	27.24%	15.97%
Operating Profit Margin (TTM)	36.51%	20.72%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

IBN

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.

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

Debt-to-Equity Ratio (MRQ)

IBN

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.

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

Interest Coverage Ratio (TTM)

IBN

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.

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

Financial Strength at a Glance

Symbol	IBN	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

IBN 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

IBN 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)

IBN

0.69%

Banks Industry

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

IBN’s Dividend Yield of 0.69% 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

0.99%

Insurance Industry

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

RNR’s Dividend Yield of 0.99% 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.

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

Dividend Payout Ratio (TTM)

IBN

28.60%

Banks Industry

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

IBN’s Dividend Payout Ratio of 28.60% 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.

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

Dividend at a Glance

Symbol	IBN	RNR
Dividend Yield (TTM)	0.69%	0.99%
Dividend Payout Ratio (TTM)	28.60%	3.90%

Valuation

Price-to-Earnings Ratio (TTM)

IBN

19.39

Banks Industry

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

A P/E Ratio of 19.39 places IBN 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

5.77

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 5.77 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

IBN

4.33

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

0.92

Insurance Industry

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

RNR’s P/S Ratio of 0.92 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.

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

Price-to-Book Ratio (MRQ)

IBN

3.14

Banks Industry

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

At 3.14, IBN’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: 4.37
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.

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

Valuation at a Glance

Symbol	IBN	RNR
Price-to-Earnings Ratio (TTM)	19.39	5.77
Price-to-Sales Ratio (TTM)	4.33	0.92
Price-to-Book Ratio (MRQ)	3.14	1.09
Price-to-Free Cash Flow Ratio (TTM)	8.69	2.96