Assurant vs RenaissanceRe
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KIRAβs take AI analyst
I put Assurant and RenaissanceRe side by side, using each oneβs latest annual report. Here is what stands out:
- RenaissanceRe is the larger business, with $12.8B of revenue in fiscal 2025 against $12.8B for Assurant.
- RenaissanceRe grew revenue faster (9.9%, against 7.9%).
- RenaissanceRe earned a higher return on the capital invested in it (54.2%, against 17.5%).
Who comes out ahead
Of the 7 measures where higher (or lower) is clearly better, how many each company leads.
Assurant
AIZ
0/7
RenaissanceRe
RNR
7/7
Revenue growth5-year growthNet marginReturn on capitalReturn on equityNet debt / EBITDAShare count change
Side by side
Best in the row
| Latest fiscal year | AIZ FY25 | RNR FY25 |
|---|---|---|
| Size | ||
| Market cap | $14.3B | $14.6B |
| Revenue | $12.8B | $12.8B |
| Free cash flow | $1.6B | β |
| Net income | $873M | $2.7B |
| Growth | ||
| Revenue growth | 7.9% | 9.9% |
| 5-year growth | 6.0% | 20.0% |
| Share count change | β1.9% | β9.5% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 6.8% | 20.9% |
| FCF margin | 12.5% | β |
| Return on capital | 17.5% | 54.2% |
| Return on equity | 15.9% | 24.2% |
| Balance sheet | ||
| Net debt | β$6.7M | β$4.1B |
| Net debt / EBITDA | 0.0x | β1.0x |
| Dividends and buybacks | $472M | $1.7B |
| Valuation & quality | ||
| P/E | 13.7x | β |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
AIZ $7.5B
RNR $1.7B
FY17
AIZ $6.4B
RNR $2.1B
FY18
AIZ $8.1B
RNR $2.1B
FY19
AIZ $9.6B
RNR $4.2B
FY20
AIZ $9.6B
RNR $5.2B
FY21
AIZ $10.2B
RNR $5.3B
FY22
AIZ $10.2B
RNR $5.1B
FY23
AIZ $11.1B
RNR $9.1B
FY24
AIZ $11.9B
RNR $11.7B
FY25
AIZ $12.8B
RNR $12.8B
AIZ
RNR
Operating margin
FY16
AIZ β
RNR β
FY17
AIZ β
RNR β
FY18
AIZ β
RNR β
FY19
AIZ β
RNR β
FY20
AIZ β
RNR β
FY21
AIZ β
RNR β
FY22
AIZ β
RNR β
FY23
AIZ β
RNR β
FY24
AIZ β
RNR β
FY25
AIZ β
RNR β
AIZ
RNR
Free cash flow
FY16
AIZ $23.4M
RNR β
FY17
AIZ $468M
RNR β
FY18
AIZ $574M
RNR β
FY19
AIZ $1.3B
RNR β
FY20
AIZ $1.2B
RNR β
FY21
AIZ $594M
RNR β
FY22
AIZ $411M
RNR β
FY23
AIZ $936M
RNR β
FY24
AIZ $1.1B
RNR β
FY25
AIZ $1.6B
RNR β
AIZ
RNR
Return on capital
FY16
AIZ 15.5%
RNR 16.8%
FY17
AIZ 12.4%
RNR β6.4%
FY18
AIZ 6.9%
RNR 11.5%
FY19
AIZ 7.0%
RNR β
FY20
AIZ 11.1%
RNR β
FY21
AIZ 12.5%
RNR β
FY22
AIZ 7.2%
RNR β
FY23
AIZ 15.1%
RNR β
FY24
AIZ 16.8%
RNR 54.4%
FY25
AIZ 17.5%
RNR 54.2%
AIZ
RNR
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.