WallStSmart

Renaissancere Holdings Ltd (RNR)vsRoyal Bank of Canada (RY)

VS

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 Buy

65

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 5.7Quality: 7.5
Piotroski: 6/9Altman Z: 1.92

RY

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RNR6 strengths · Avg: 9.5/10
P/E RatioValuation
5.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Return on EquityProfitability
22.3%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
23.6%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

RY4 strengths · Avg: 9.5/10
Market CapQuality
$291.55B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.9%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
46.4%10/10

Strong operational efficiency at 46.4%

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

RNR4 concerns · Avg: 2.5/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

PEG RatioValuation
3.622/10

Expensive relative to growth rate

Revenue GrowthGrowth
-13.2%2/10

Revenue declined 13.2%

EPS GrowthGrowth
-10.0%2/10

Earnings declined 10.0%

RY4 concerns · Avg: 2.3/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Free Cash FlowQuality
$-28.67B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.881/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull 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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