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

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

Company Profile

SymbolMARNR
Company NameMastercard IncorporatedRenaissanceRe Holdings Ltd.
CountryUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesInsurance
Market Capitalization490.65 billion USD12.54 billion USD
ExchangeNYSENYSE
Listing DateMay 25, 2006July 27, 1995
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MA 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.

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

Historical Performance at a Glance

SymbolMARNR
5-Day Price Return-1.31%-1.50%
13-Week Price Return-6.18%9.66%
26-Week Price Return-5.35%9.69%
52-Week Price Return4.57%2.26%
Month-to-Date Return-1.13%3.41%
Year-to-Date Return3.64%5.61%
10-Day Avg. Volume2.33M0.43M
3-Month Avg. Volume2.61M0.45M
3-Month Volatility16.40%25.72%
Beta0.870.27

Profitability

Return on Equity (TTM)

MA

197.14%

Financial Services Industry

Max
34.42%
Q3
16.76%
Median
9.18%
Q1
3.90%
Min
-10.16%

MA’s Return on Equity of 197.14% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

RNR

16.03%

Insurance Industry

Max
31.64%
Q3
19.22%
Median
14.77%
Q1
10.48%
Min
2.20%

RNR’s Return on Equity of 16.03% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

MA

45.28%

Financial Services Industry

Max
52.16%
Q3
25.33%
Median
13.11%
Q1
7.04%
Min
-8.99%

A Net Profit Margin of 45.28% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

RNR

14.11%

Insurance Industry

Max
28.47%
Q3
15.63%
Median
10.40%
Q1
6.94%
Min
-3.51%

RNR’s Net Profit Margin of 14.11% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

MA

56.95%

Financial Services Industry

Max
81.07%
Q3
40.32%
Median
19.93%
Q1
10.20%
Min
-34.40%

An Operating Profit Margin of 56.95% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

RNR

23.53%

Insurance Industry

Max
35.59%
Q3
21.31%
Median
14.99%
Q1
10.34%
Min
-2.51%

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

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

Profitability at a Glance

SymbolMARNR
Return on Equity (TTM)197.14%16.03%
Return on Assets (TTM)28.32%3.24%
Net Profit Margin (TTM)45.28%14.11%
Operating Profit Margin (TTM)56.95%23.53%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

MA

1.12

Financial Services Industry

Max
4.36
Q3
2.26
Median
1.33
Q1
0.86
Min
0.01

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

RNR

0.18

Insurance Industry

Max
2.64
Q3
1.19
Median
0.53
Q1
0.15
Min
0.00

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

MA vs. RNR: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MA

2.40

Financial Services Industry

Max
5.07
Q3
2.14
Median
0.55
Q1
0.11
Min
0.00

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

RNR

0.19

Insurance Industry

Max
1.10
Q3
0.65
Median
0.35
Q1
0.23
Min
0.00

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

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

Interest Coverage Ratio (TTM)

MA

37.93

Financial Services Industry

Max
140.54
Q3
57.67
Median
6.72
Q1
1.93
Min
-33.27

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

RNR

11.16

Insurance Industry

Max
49.59
Q3
22.05
Median
9.63
Q1
3.42
Min
-5.73

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

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

Financial Strength at a Glance

SymbolMARNR
Current Ratio (MRQ)1.120.18
Quick Ratio (MRQ)1.120.18
Debt-to-Equity Ratio (MRQ)2.400.19
Interest Coverage Ratio (TTM)37.9311.16

Growth

Revenue Growth

MA 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

MA 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)

MA

0.55%

Financial Services Industry

Max
7.52%
Q3
3.60%
Median
1.75%
Q1
0.00%
Min
0.00%

MA’s Dividend Yield of 0.55% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

RNR

0.92%

Insurance Industry

Max
9.43%
Q3
5.10%
Median
3.57%
Q1
2.02%
Min
0.00%

RNR’s Dividend Yield of 0.92% 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.

MA vs. RNR: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

MA

18.79%

Financial Services Industry

Max
132.10%
Q3
64.32%
Median
17.51%
Q1
0.00%
Min
0.00%

MA’s Dividend Payout Ratio of 18.79% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

RNR

4.36%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
50.55%
Q1
22.12%
Min
0.00%

RNR’s Dividend Payout Ratio of 4.36% 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.

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

Dividend at a Glance

SymbolMARNR
Dividend Yield (TTM)0.55%0.92%
Dividend Payout Ratio (TTM)18.79%4.36%

Valuation

Price-to-Earnings Ratio (TTM)

MA

34.39

Financial Services Industry

Max
46.13
Q3
28.79
Median
13.18
Q1
9.14
Min
0.47

A P/E Ratio of 34.39 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

RNR

7.08

Insurance Industry

Max
27.66
Q3
17.29
Median
12.59
Q1
9.86
Min
3.13

In the lower quartile for the Insurance industry, RNR’s P/E Ratio of 7.08 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

MA

15.57

Financial Services Industry

Max
9.71
Q3
4.81
Median
2.49
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

RNR

1.00

Insurance Industry

Max
3.39
Q3
1.95
Median
1.25
Q1
0.83
Min
0.22

RNR’s P/S Ratio of 1.00 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.

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

Price-to-Book Ratio (MRQ)

MA

65.06

Financial Services Industry

Max
7.21
Q3
3.51
Median
1.52
Q1
0.88
Min
0.08

At 65.06, MA’s P/B Ratio is at an extreme premium to the Financial Services 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

1.04

Insurance Industry

Max
4.36
Q3
2.47
Median
1.77
Q1
1.18
Min
0.17

RNR’s P/B Ratio of 1.04 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.

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

Valuation at a Glance

SymbolMARNR
Price-to-Earnings Ratio (TTM)34.397.08
Price-to-Sales Ratio (TTM)15.571.00
Price-to-Book Ratio (MRQ)65.061.04
Price-to-Free Cash Flow Ratio (TTM)30.063.07