RNR vs. UNM: RenaissanceRe vs. Unum Stock Comparison

November 11, 2026

How do RenaissanceRe (RNR) and Unum (UNM) 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

RenaissanceRe (RNR) and Unum (UNM) both belong to the Insurance industry, though RNR is classified under Reinsurance while UNM falls under Life & Health Insurance.

Company profile comparison for RenaissanceRe (RNR) and Unum (UNM)
Profile Item	RNR	UNM
Name	RenaissanceRe Holdings Ltd.	Unum Group
Country/Region	Bermuda	United States
GICS Sector	Financials	Financials
GICS Industry Group	Insurance	Insurance
GICS Industry	Insurance	Insurance
GICS Sub-Industry	Reinsurance	Life & Health Insurance
Market Capitalization	14.04 billion USD	11.89 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	July 27, 1995	November 6, 1986
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

RNR

UNM

GSPC

RenaissanceRe (RNR) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for RenaissanceRe (RNR) and Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for RenaissanceRe (RNR) and Unum (UNM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Total Return (1Y)	29.60%	4.52%
Total Return (3Y, Annualized)	19.53%	25.65%
Total Return (5Y, Annualized)	18.22%	29.12%

Risk Profile

Drawdown History

RNR

UNM

GSPC

RenaissanceRe (RNR) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for RenaissanceRe (RNR) and Unum (UNM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Volatility (1Y, Annualized)	23.23%	29.31%
Beta (5Y)	0.12	0.28
Max Drawdown (5Y)	-27.71%	-23.00%
Avg. Volume (3M)	361.04K	1.86M

Risk-Adjusted Performance

Risk-Return Positioning

RNR and UNM are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Sharpe Ratio (1Y)	1.09	0.01
Sortino Ratio (1Y)	1.64	0.01

Profitability

ROE (TTM)

RenaissanceRe (RNR) at 13.98% is around its peer norm for ROE, while Unum (UNM) at 2.25% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

RNR

Insurance industry group

13.98%

Max: 41.68%
Q3: 22.04%
Median: 14.81%
RNR: 13.98%
Q1: 8.79%
Min: -10.66%

UNM

Insurance industry group

2.25%

Max: 41.68%
Q3: 22.04%
Median: 14.81%
Q1: 8.79%
UNM: 2.25%
Min: -10.66%

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

RenaissanceRe (RNR) at 16.20% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile share.

RNR

Insurance industry group

16.20%

Max: 29.92%
Q3: 17.03%
RNR: 16.20%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

UNM

Insurance industry group

1.94%

Max: 29.92%
Q3: 17.03%
Median: 10.97%
Q1: 6.21%
UNM: 1.94%
Min: -4.68%

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for RenaissanceRe (RNR) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
ROE (TTM)	13.98%	2.25%
ROA (TTM)	3.49%	0.51%
Net Margin (TTM)	16.20%	1.94%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

RenaissanceRe (RNR) at 9.69% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their Revenue Growth across different time periods.

EPS Growth

RenaissanceRe (RNR) at 59.13% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Revenue Growth (YoY)	9.69%	1.52%
Revenue Growth (3Y CAGR)	36.27%	3.02%
EPS Growth (YoY)	59.13%	-54.86%
EPS Growth (3Y CAGR)	--	-13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: RenaissanceRe (RNR) in Insurance and Unum (UNM) 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: RenaissanceRe (RNR) in Insurance and Unum (UNM) 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

Financial strength metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Unum (UNM) at 2.61% delivers top-quartile income for its industry, while RenaissanceRe (RNR) at 0.46% pays a more typical yield — both are credible income propositions, UNM the richer one.

RNR

Insurance industry group

0.46%

Max: 5.12%
Q3: 2.15%
Median: 0.98%
RNR: 0.46%
Q1: 0.00%
Min: 0.00%

UNM

Insurance industry group

2.61%

Max: 5.12%
UNM: 2.61%
Q3: 2.15%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile RenaissanceRe (RNR) reports 4.66%, ranking against industry peers normally.

RNR

Insurance industry group

4.66%

Max: 76.67%
Q3: 35.18%
Median: 14.74%
RNR: 4.66%
Q1: 0.00%
Min: 0.00%

UNM

Insurance industry group

128.23%

UNM: 128.23%
Max: 76.67%
Q3: 35.18%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
Dividend Yield (TTM)	0.46%	2.61%
Dividend Payout Ratio (TTM)	4.66%	128.23%

Valuation

P/E Ratio (TTM)

RenaissanceRe (RNR) at 9.94 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.

RNR

Insurance industry group

9.94

Max: 28.37
Q3: 18.75
Median: 12.23
RNR: 9.94
Q1: 9.08
Min: 2.32

UNM

Insurance industry group

52.21

UNM: 52.21
Max: 28.37
Q3: 18.75
Median: 12.23
Q1: 9.08
Min: 2.32

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both RenaissanceRe (RNR) at 1.45 and Unum (UNM) at 0.95 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

RNR

Insurance industry group

1.45

Max: 4.03
Q3: 2.25
RNR: 1.45
Median: 1.23
Q1: 0.85
Min: 0.07

UNM

Insurance industry group

0.95

Max: 4.03
Q3: 2.25
Median: 1.23
UNM: 0.95
Q1: 0.85
Min: 0.07

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while RenaissanceRe (RNR) at 1.34 is valued near its industry’s middle — UNM is cheaper on assets, though weigh it against ROE and asset quality.

RNR

Insurance industry group

1.34

Max: 5.07
Q3: 2.79
Median: 1.76
RNR: 1.34
Q1: 1.23
Min: 0.30

UNM

Insurance industry group

1.11

Max: 5.07
Q3: 2.79
Median: 1.76
Q1: 1.23
UNM: 1.11
Min: 0.30

RenaissanceRe (RNR) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for RenaissanceRe (RNR) and Unum (UNM)
Metric	RNR	UNM
P/E Ratio (TTM)	9.94	52.21
P/S Ratio (TTM)	1.45	0.95
P/B Ratio (MRQ)	1.34	1.11
Free Cash Flow Yield (TTM)	--	--