COMP <GO>
RNR vs AIZ // OPERATING MARGIN
RenaissanceRe Holdings Ltd. (NYSE) VS. Assurant Inc. (NYSE) • 15-METRIC TALLY: RNR 8
— AIZ 3
▲ OPERATING MARGIN LEADER: RNR
LAST: $339.32 (+0.20%) • MKT CAP: $13.71B
operating-margins
25.50%
LAST: $292.80 (+0.04%) • MKT CAP: $14.44B
operating-margins
8.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RNR VS. AIZ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RNR | AIZ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.60% | 5.00% | +5.60 | RNR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.0x | 20.1x | -13.10 | RNR | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 11.07% | +10.93 | RNR | /fcf-yield <GO> |
| Operating Margin ACTIVE | 25.50% | 8.30% | +17.20 | RNR | /operating-margins <GO> |
| Net Profit Margin | 20.90% | 6.80% | +14.10 | RNR | /net-margins <GO> |
| Revenue Growth (YoY) | 9.90% | 7.90% | +2.00 | RNR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.55% | 1.17% | -0.62 | AIZ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.1 | 65.5 | -15.40 | AIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.10 | 0.92 | +0.18 | RNR | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.7x | 15.3x | -10.60 | RNR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $13.71B | $14.44B | -$730.3M | AIZ | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RNR REV | AIZ REV | RNR GROSS % | AIZ GROSS % | RNR FCF | AIZ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $12.85B | $12.81B | — | — | $3.11B | $1.60B |
| FY 2024 | $11.70B | $11.88B | — | — | $3.64B | $1.11B |
| FY 2023 | $9.13B | $11.13B | — | — | $1.50B | $637.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RNR // BETA 1.10
AIZ // BETA 0.92