Renaissancere Holdings Ltd (RNR)vsRoyal Bank of Canada (RY)
RNR
Renaissancere Holdings Ltd
$324.99
-0.47%
FINANCIAL SERVICES · Cap: $13.43B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 501% more annual revenue ($67.15B vs $11.17B). RY leads profitability with a 33.9% profit margin vs 23.6%. RY appears more attractively valued with a PEG of 2.35. RNR earns a higher WallStSmart Score of 65/100 (B-).
RNR
Strong Buy65
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.7%
Every $100 of equity generates 22 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Grey zone — moderate risk
Expensive relative to growth rate
Revenue declined 13.2%
Earnings declined 10.0%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : RNR
The strongest argument for RNR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 23.6% and operating margin at 41.7%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : RNR
The primary concerns for RNR are Altman Z-Score, PEG Ratio, Revenue Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RNR profiles as a declining stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
RNR generates stronger free cash flow (852M), providing more financial flexibility.
Bottom Line
RNR scores higher overall (65/100 vs 63/100), backed by strong 23.6% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Renaissancere Holdings Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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