RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNR - BMG7496G1033 - Common Stock
280.04 USD
+1.68 (+0.6%)
RNR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. RNR has an average financial health and profitability rating. RNR is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RNR was profitable.
RNR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: RNR reported negative net income in multiple 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 64.86% of the companies in the same industry.
RNR has a Return On Equity of 14.51%. This is in the better half of the industry: RNR outperforms 67.57% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.30%, RNR is in the better half of the industry, outperforming 70.95% 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
With a decent Profit Margin value of 13.59%, RNR is doing good in the industry, outperforming 71.62% of the companies in the same industry.
In the last couple of years the Profit Margin of RNR has declined.
RNR's Operating Margin of 24.04% is amongst the best of the industry. RNR outperforms 82.43% 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
RNR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, RNR has less shares outstanding
Compared to 5 years ago, RNR has more shares outstanding
The debt/assets ratio for RNR has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.84, we must say that RNR is in the distress zone and has some risk of bankruptcy.
RNR has a Altman-Z score of 0.84. This is in the better half of the industry: RNR outperforms 77.70% 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.
Looking at the Debt to FCF ratio, with a value of 0.56, RNR is in the better half of the industry, outperforming 79.73% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that RNR is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, RNR is in the better half of the industry, outperforming 68.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.53
WACC8.1%
2.3 Liquidity
RNR has a Current Ratio of 0.18. This is a bad value and indicates that RNR is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.18, RNR is doing good in the industry, outperforming 66.89% of the companies in the same industry.
RNR has a Quick Ratio of 0.18. This is a bad value and indicates that RNR is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.18, RNR is doing good in the industry, outperforming 66.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for RNR have decreased strongly by -25.99% in the last year.
RNR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.08% yearly.
Looking at the last year, RNR shows a small growth in Revenue. The Revenue has grown by 6.33% in the last year.
The Revenue has been growing by 23.24% on average over the past years. This is a very strong growth!
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
RNR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.89% yearly.
Based on estimates for the next years, RNR will show a small growth in Revenue. The Revenue will grow by 0.11% on average per year.
EPS Next Y-19.83%
EPS Next 2Y-8.58%
EPS Next 3Y-2.89%
EPS Next 5YN/A
Revenue Next Year-2.05%
Revenue Next 2Y-1.59%
Revenue Next 3Y0.11%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 8.12, which indicates a very decent valuation of RNR.
Compared to the rest of the industry, the Price/Earnings ratio of RNR indicates a somewhat cheap valuation: RNR is cheaper than 76.35% of the companies listed in the same industry.
RNR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
With a Price/Forward Earnings ratio of 7.81, the valuation of RNR can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RNR indicates a somewhat cheap valuation: RNR is cheaper than 73.65% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.03. RNR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.12 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
81.76% of the companies in the same industry are more expensive than RNR, based on the Enterprise Value to EBITDA ratio.
RNR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RNR is cheaper than 82.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.24 | ||
| EV/EBITDA | 4.51 |
4.3 Compensation for Growth
A cheap valuation may be justified as RNR's earnings are expected to decrease with -2.89% in the coming years.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-8.58%
EPS Next 3Y-2.89%
5. Dividend
5.1 Amount
RNR has a yearly dividend return of 0.58%, which is pretty low.
RNR's Dividend Yield is slightly below the industry average, which is at 2.30.
With a Dividend Yield of 0.58, RNR pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
5.2 History
The dividend of RNR has a limited annual growth rate of 0.22%.
RNR has paid a dividend for at least 10 years, which is 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-8.58%
EPS Next 3Y-2.89%
NYSE:RNR (12/26/2025, 12:25:28 PM)
280.04
+1.68 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners98.42%
Inst Owner Change1.57%
Ins Owners1.16%
Ins Owner Change-0.47%
Market Cap12.91B
Revenue(TTM)12.28B
Net Income(TTM)1.67B
Analysts69.52
Price TargetN/A
Short Float %2.44%
Short Ratio2.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
Yearly Dividend2.26
Dividend Growth(5Y)0.22%
DP6.75%
Div Incr Years26
Div Non Decr Years26
Ex-Date
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)2.16%
PT rev (3m)3.24%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)10.42%
EPS NY rev (1m)10.85%
EPS NY rev (3m)46.18%
Revenue NQ rev (1m)6.63%
Revenue NQ rev (3m)4.12%
Revenue NY rev (1m)-2.64%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.12 | ||
| Fwd PE | 7.81 | ||
| P/S | 1.05 | ||
| P/FCF | 3.24 | ||
| P/OCF | 3.24 | ||
| P/B | 1.12 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 4.51 |
EPS(TTM)34.48
EY12.31%
EPS(NY)35.84
Fwd EY12.8%
FCF(TTM)86.51
FCFY30.89%
OCF(TTM)86.51
OCFY30.89%
SpS266.29
BVpS249.45
TBVpS235.33
PEG (NY)N/A
PEG (5Y)0.23
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 | 0.84 |
F-Score5
WACC8.1%
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-19.83%
EPS Next 2Y-8.58%
EPS Next 3Y-2.89%
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%-5.77%
Revenue Next Year-2.05%
Revenue Next 2Y-1.59%
Revenue Next 3Y0.11%
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.
Can you provide the valuation status for RENAISSANCERE HOLDINGS LTD?
ChartMill assigns a valuation rating of 6 / 10 to RENAISSANCERE HOLDINGS LTD (RNR). This can be considered as Fairly Valued.
How profitable is RENAISSANCERE HOLDINGS LTD (RNR) stock?
RENAISSANCERE HOLDINGS LTD (RNR) has a profitability rating of 5 / 10.
What is the valuation of RENAISSANCERE HOLDINGS LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RENAISSANCERE HOLDINGS LTD (RNR) is 8.12 and the Price/Book (PB) ratio is 1.12.
Can you provide the dividend sustainability for RNR stock?
The dividend rating of RENAISSANCERE HOLDINGS LTD (RNR) is 4 / 10 and the dividend payout ratio is 6.75%.