RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNR - BMG7496G1033 - Common Stock
269.18 USD
-2.71 (-1%)
We assign a fundamental rating of 5 out of 10 to RNR. RNR was compared to 146 industry peers in the Insurance industry. RNR has an average financial health and profitability rating. RNR is valued quite cheap, while showing a decent growth score. This is a good combination! This makes RNR very considerable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year RNR was profitable.
- RNR had a positive operating cash flow in the past year.
- In multiple years RNR reported negative net income over the last 5 years.
- In the past 5 years RNR always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 3.06%, RNR is doing good in the industry, outperforming 65.07% of the companies in the same industry.
- With a decent Return On Equity value of 14.51%, RNR is doing good in the industry, outperforming 67.81% of the companies in the same industry.
- With a decent Return On Invested Capital value of 4.30%, RNR is doing good in the industry, outperforming 72.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.51% | ||
| ROIC | 4.3% |
ROA(3y)1.88%
ROA(5y)1.55%
ROE(3y)7.6%
ROE(5y)6.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- RNR has a Profit Margin of 13.59%. This is in the better half of the industry: RNR outperforms 71.92% of its industry peers.
- RNR's Profit Margin has declined in the last couple of years.
- The Operating Margin of RNR (24.04%) is better than 83.56% of its industry peers.
- In the last couple of years the Operating Margin of RNR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.04% | ||
| PM (TTM) | 13.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y3.17%
PM growth 3YN/A
PM growth 5Y-2%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RNR is destroying value.
- Compared to 1 year ago, RNR has less shares outstanding
- RNR has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for RNR has been reduced compared to a year ago.
2.2 Solvency
- RNR has an Altman-Z score of 0.83. This is a bad value and indicates that RNR is not financially healthy and even has some risk of bankruptcy.
- RNR has a Altman-Z score of 0.83. This is in the better half of the industry: RNR outperforms 78.77% of its industry peers.
- The Debt to FCF ratio of RNR is 0.56, which is an excellent value as it means it would take RNR, only 0.56 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 0.56, RNR is doing good in the industry, outperforming 79.45% of the companies in the same industry.
- A Debt/Equity ratio of 0.19 indicates that RNR is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.19, RNR is doing good in the industry, outperforming 69.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 0.83 |
ROIC/WACC0.53
WACC8.09%
2.3 Liquidity
- A Current Ratio of 0.18 indicates that RNR may have some problems paying its short term obligations.
- RNR has a Current ratio of 0.18. This is in the better half of the industry: RNR outperforms 69.18% of its industry peers.
- A Quick Ratio of 0.18 indicates that RNR may have some problems paying its short term obligations.
- With a decent Quick ratio value of 0.18, RNR is doing good in the industry, outperforming 69.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
- RNR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.99%.
- RNR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.08% yearly.
- The Revenue has been growing slightly by 6.33% in the past year.
- Measured over the past years, RNR shows a very strong growth in Revenue. The Revenue has been growing by 23.24% on average per year.
EPS 1Y (TTM)-25.99%
EPS 3Y208.53%
EPS 5Y36.08%
EPS Q2Q%52.69%
Revenue 1Y (TTM)6.33%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%-5.77%
3.2 Future
- The Earnings Per Share is expected to decrease by -2.78% on average over the next years.
- Based on estimates for the next years, RNR will show a decrease in Revenue. The Revenue will decrease by -0.03% on average per year.
EPS Next Y-18.14%
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
EPS Next 5YN/A
Revenue Next Year1.29%
Revenue Next 2Y-1.72%
Revenue Next 3Y-0.03%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 7.81, which indicates a rather cheap valuation of RNR.
- RNR's Price/Earnings ratio is a bit cheaper when compared to the industry. RNR is cheaper than 74.66% of the companies in the same industry.
- When comparing the Price/Earnings ratio of RNR to the average of the S&P500 Index (27.54), we can say RNR is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.51, which indicates a rather cheap valuation of RNR.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RNR indicates a somewhat cheap valuation: RNR is cheaper than 73.29% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of RNR to the average of the S&P500 Index (24.31), we can say RNR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.81 | ||
| Fwd PE | 7.51 |
4.2 Price Multiples
- RNR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RNR is cheaper than 80.14% of the companies in the same industry.
- 80.82% of the companies in the same industry are more expensive than RNR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.11 | ||
| EV/EBITDA | 4.41 |
4.3 Compensation for Growth
- A cheap valuation may be justified as RNR's earnings are expected to decrease with -2.78% in the coming years.
PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
5. Dividend
5.1 Amount
- RNR has a yearly dividend return of 0.57%, which is pretty low.
- RNR's Dividend Yield is slightly below the industry average, which is at 2.42.
- With a Dividend Yield of 0.57, RNR pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.57% |
5.2 History
- The dividend of RNR has a limited annual growth rate of 0.22%.
- RNR has been paying a dividend for at least 10 years, so it has a reliable track record.
- RNR has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.22%
Div Incr Years26
Div Non Decr Years26
5.3 Sustainability
- RNR pays out 6.75% of its income as dividend. This is a sustainable payout ratio.
DP6.75%
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
NYSE:RNR (1/16/2026, 3:20:09 PM)
269.18
-2.71 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners98.51%
Inst Owner Change0.06%
Ins Owners1.16%
Ins Owner Change-0.47%
Market Cap12.41B
Revenue(TTM)12.28B
Net Income(TTM)1.67B
Analysts69.09
Price Target295.29 (9.7%)
Short Float %3.18%
Short Ratio3.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.57% |
Yearly Dividend2.26
Dividend Growth(5Y)0.22%
DP6.75%
Div Incr Years26
Div Non Decr Years26
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)40.9%
Min EPS beat(2)23.67%
Max EPS beat(2)58.13%
EPS beat(4)3
Avg EPS beat(4)19.84%
Min EPS beat(4)-15.92%
Max EPS beat(4)58.13%
EPS beat(8)7
Avg EPS beat(8)24.46%
EPS beat(12)11
Avg EPS beat(12)22.41%
EPS beat(16)13
Avg EPS beat(16)14.54%
Revenue beat(2)0
Avg Revenue beat(2)-4.45%
Min Revenue beat(2)-7.47%
Max Revenue beat(2)-1.43%
Revenue beat(4)1
Avg Revenue beat(4)-2.04%
Min Revenue beat(4)-8.02%
Max Revenue beat(4)8.76%
Revenue beat(8)2
Avg Revenue beat(8)-2.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.65%
Revenue beat(16)3
Avg Revenue beat(16)-7.23%
PT rev (1m)0.6%
PT rev (3m)3.86%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)12.25%
EPS NY rev (1m)2.11%
EPS NY rev (3m)46.54%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)4.21%
Revenue NY rev (1m)3.41%
Revenue NY rev (3m)3.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.81 | ||
| Fwd PE | 7.51 | ||
| P/S | 1.01 | ||
| P/FCF | 3.11 | ||
| P/OCF | 3.11 | ||
| P/B | 1.08 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | 4.41 |
EPS(TTM)34.48
EY12.81%
EPS(NY)35.82
Fwd EY13.31%
FCF(TTM)86.51
FCFY32.14%
OCF(TTM)86.51
OCFY32.14%
SpS266.29
BVpS249.45
TBVpS235.33
PEG (NY)N/A
PEG (5Y)0.22
Graham Number439.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.06% | ||
| ROE | 14.51% | ||
| ROCE | 5.45% | ||
| ROIC | 4.3% | ||
| ROICexc | 4.44% | ||
| ROICexgc | 5.06% | ||
| OM | 24.04% | ||
| PM (TTM) | 13.59% | ||
| GM | N/A | ||
| FCFM | 32.49% |
ROA(3y)1.88%
ROA(5y)1.55%
ROE(3y)7.6%
ROE(5y)6.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y10.38%
ROICexc growth 3YN/A
ROICexc growth 5Y11.16%
OM growth 3YN/A
OM growth 5Y3.17%
PM growth 3YN/A
PM growth 5Y-2%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Debt/EBITDA | 0.75 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 134.73% | ||
| Profit Quality | 239.06% | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.83 |
F-Score5
WACC8.09%
ROIC/WACC0.53
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-25.99%
EPS 3Y208.53%
EPS 5Y36.08%
EPS Q2Q%52.69%
EPS Next Y-18.14%
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%-5.77%
Revenue Next Year1.29%
Revenue Next 2Y-1.72%
Revenue Next 3Y-0.03%
Revenue Next 5YN/A
EBIT growth 1Y-31.76%
EBIT growth 3YN/A
EBIT growth 5Y27.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.07%
FCF growth 3Y49.97%
FCF growth 5Y14.27%
OCF growth 1Y87.07%
OCF growth 3Y49.97%
OCF growth 5Y14.27%
RENAISSANCERE HOLDINGS LTD / RNR FAQ
What is the ChartMill fundamental rating of RENAISSANCERE HOLDINGS LTD (RNR) stock?
ChartMill assigns a fundamental rating of 5 / 10 to RNR.
What is the valuation status for RNR stock?
ChartMill assigns a valuation rating of 7 / 10 to RENAISSANCERE HOLDINGS LTD (RNR). This can be considered as Undervalued.
What is the profitability of RNR stock?
RENAISSANCERE HOLDINGS LTD (RNR) has a profitability rating of 5 / 10.
What are the PE and PB ratios of RENAISSANCERE HOLDINGS LTD (RNR) stock?
The Price/Earnings (PE) ratio for RENAISSANCERE HOLDINGS LTD (RNR) is 7.81 and the Price/Book (PB) ratio is 1.08.
Can you provide the expected EPS growth for RNR stock?
The Earnings per Share (EPS) of RENAISSANCERE HOLDINGS LTD (RNR) is expected to decline by -18.14% in the next year.