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

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

Company Profile

SymbolPNCRNR
Company NameThe PNC Financial Services Group, Inc.RenaissanceRe Holdings Ltd.
CountryUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization76.16 billion USD11.49 billion USD
ExchangeNYSENYSE
Listing DateNovember 17, 1975July 27, 1995
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of PNC 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.

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

Historical Performance at a Glance

SymbolPNCRNR
5-Day Price Return3.36%1.90%
13-Week Price Return10.51%-1.68%
26-Week Price Return-4.46%1.30%
52-Week Price Return15.79%4.00%
Month-to-Date Return1.65%0.13%
Year-to-Date Return0.29%-1.91%
10-Day Avg. Volume1.58M0.33M
3-Month Avg. Volume2.37M0.45M
3-Month Volatility21.35%21.47%
Beta1.130.28

Profitability

Return on Equity (TTM)

PNC

11.08%

Banks Industry

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

PNC’s Return on Equity of 11.08% 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.

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

Net Profit Margin (TTM)

PNC

28.83%

Banks Industry

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

PNC’s Net Profit Margin of 28.83% 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.

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

Operating Profit Margin (TTM)

PNC

34.54%

Banks Industry

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

PNC’s Operating Profit Margin of 34.54% 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.

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

Profitability at a Glance

SymbolPNCRNR
Return on Equity (TTM)11.08%18.60%
Return on Assets (TTM)1.11%3.77%
Net Profit Margin (TTM)28.83%15.97%
Operating Profit Margin (TTM)34.54%20.72%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

PNC

--

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.

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

Debt-to-Equity Ratio (MRQ)

PNC

0.74

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.

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

Interest Coverage Ratio (TTM)

PNC

--

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.

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

Financial Strength at a Glance

SymbolPNCRNR
Current Ratio (MRQ)--0.57
Quick Ratio (MRQ)--0.57
Debt-to-Equity Ratio (MRQ)0.740.21
Interest Coverage Ratio (TTM)--11.16

Growth

Revenue Growth

PNC 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

PNC 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)

PNC

3.84%

Banks Industry

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

PNC’s Dividend Yield of 3.84% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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.

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

Dividend Payout Ratio (TTM)

PNC

46.73%

Banks Industry

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

PNC’s Dividend Payout Ratio of 46.73% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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.

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

Dividend at a Glance

SymbolPNCRNR
Dividend Yield (TTM)3.84%1.00%
Dividend Payout Ratio (TTM)46.73%3.90%

Valuation

Price-to-Earnings Ratio (TTM)

PNC

12.17

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

PNC’s P/E Ratio of 12.17 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.

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

Price-to-Sales Ratio (TTM)

PNC

2.34

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.

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

Price-to-Book Ratio (MRQ)

PNC

1.28

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

PNC’s P/B Ratio of 1.28 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.

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

Valuation at a Glance

SymbolPNCRNR
Price-to-Earnings Ratio (TTM)12.175.71
Price-to-Sales Ratio (TTM)2.340.91
Price-to-Book Ratio (MRQ)1.281.09
Price-to-Free Cash Flow Ratio (TTM)11.502.93