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

Updated on August 23, 2025

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

Company Profile

Symbol	RNR	TRV
Company Name	RenaissanceRe Holdings Ltd.	The Travelers Companies, Inc.
Country	Bermuda	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	11.67 billion USD	61.77 billion USD
Exchange	NYSE	NYSE
Listing Date	July 27, 1995	November 17, 1975
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of RNR and TRV 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.

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

Historical Performance at a Glance

Symbol	RNR	TRV
5-Day Price Return	2.38%	2.16%
13-Week Price Return	-0.02%	-0.05%
26-Week Price Return	6.28%	12.91%
52-Week Price Return	1.03%	25.32%
Month-to-Date Return	1.77%	5.44%
Year-to-Date Return	-0.31%	13.91%
10-Day Avg. Volume	0.29M	1.19M
3-Month Avg. Volume	0.44M	1.25M
3-Month Volatility	21.16%	20.73%
Beta	0.28	0.53

Profitability

Return on Equity (TTM)

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.

TRV

18.53%

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, TRV’s Return on Equity of 18.53% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

RNR vs. TRV: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

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.

TRV

10.96%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

TRV’s Net Profit Margin of 10.96% 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.

RNR vs. TRV: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

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.

TRV

14.43%

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.

RNR vs. TRV: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	RNR	TRV
Return on Equity (TTM)	18.60%	18.53%
Return on Assets (TTM)	3.77%	3.87%
Net Profit Margin (TTM)	15.97%	10.96%
Operating Profit Margin (TTM)	20.72%	14.43%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

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.

TRV

1.00

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.

RNR vs. TRV: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

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.

TRV

0.27

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.

RNR vs. TRV: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

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.

TRV

16.77

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.

RNR vs. TRV: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	RNR	TRV
Current Ratio (MRQ)	0.57	1.00
Quick Ratio (MRQ)	0.57	1.00
Debt-to-Equity Ratio (MRQ)	0.21	0.27
Interest Coverage Ratio (TTM)	11.16	16.77

Growth

Revenue Growth

RNR vs. TRV: 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

RNR vs. TRV: 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)

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.

TRV

1.58%

Insurance Industry

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

TRV’s Dividend Yield of 1.58% 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.

RNR vs. TRV: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

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.

TRV

18.45%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

TRV’s Dividend Payout Ratio of 18.45% 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.

RNR vs. TRV: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	RNR	TRV
Dividend Yield (TTM)	0.99%	1.58%
Dividend Payout Ratio (TTM)	3.90%	18.45%

Valuation

Price-to-Earnings Ratio (TTM)

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.

TRV

11.71

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

TRV’s P/E Ratio of 11.71 is within the middle range for the Insurance 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 vs. TRV: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

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.

TRV

1.28

Insurance Industry

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

TRV’s P/S Ratio of 1.28 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.

RNR vs. TRV: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

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.

TRV

2.04

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

TRV’s P/B Ratio of 2.04 is within the conventional range for the Insurance 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 vs. TRV: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	RNR	TRV
Price-to-Earnings Ratio (TTM)	5.77	11.71
Price-to-Sales Ratio (TTM)	0.92	1.28
Price-to-Book Ratio (MRQ)	1.09	2.04
Price-to-Free Cash Flow Ratio (TTM)	2.96	6.38