RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
NYSE:RNR • BMG7496G1033
307.03 USD
+4.57 (+1.51%)
At close: Mar 2, 2026
307.03 USD
0 (0%)
After Hours: 3/2/2026, 4:15:00 PM
Overall RNR gets a fundamental rating of 5 out of 10. We evaluated RNR against 149 industry peers in the Insurance industry. RNR has an excellent profitability rating, but there are some minor concerns on its financial health. RNR has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- RNR had positive earnings in the past year.
- RNR had a positive operating cash flow in the past year.
- In multiple years RNR reported negative net income over the last 5 years.
- RNR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- RNR has a Return On Assets of 4.84%. This is in the better half of the industry: RNR outperforms 79.19% of its industry peers.
- With an excellent Return On Equity value of 22.43%, RNR belongs to the best of the industry, outperforming 88.59% of the companies in the same industry.
- RNR's Return On Invested Capital of 5.39% is fine compared to the rest of the industry. RNR outperforms 79.87% of its industry peers.
- RNR had an Average Return On Invested Capital over the past 3 years of 4.85%. This is significantly below the industry average of 15.11%.
- The last Return On Invested Capital (5.39%) for RNR is above the 3 year average (4.85%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.84% | ||
| ROE | 22.43% | ||
| ROIC | 5.39% |
ROA(3y)4.49%
ROA(5y)2.05%
ROE(3y)21.95%
ROE(5y)8.82%
ROIC(3y)4.85%
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of RNR (21.10%) is better than 87.25% of its industry peers.
- RNR's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 29.45%, RNR belongs to the best of the industry, outperforming 91.28% of the companies in the same industry.
- In the last couple of years the Operating Margin of RNR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.45% | ||
| PM (TTM) | 21.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y8.52%
PM growth 3YN/A
PM growth 5Y8.42%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RNR is destroying value.
- The number of shares outstanding for RNR has been reduced compared to 1 year ago.
- The number of shares outstanding for RNR has been reduced compared to 5 years ago.
- Compared to 1 year ago, RNR has a worse debt to assets ratio.
2.2 Solvency
- RNR has an Altman-Z score of 0.92. This is a bad value and indicates that RNR is not financially healthy and even has some risk of bankruptcy.
- RNR has a better Altman-Z score (0.92) than 78.52% of its industry peers.
- RNR has a debt to FCF ratio of 0.63. This is a very positive value and a sign of high solvency as it would only need 0.63 years to pay back of all of its debts.
- RNR's Debt to FCF ratio of 0.63 is fine compared to the rest of the industry. RNR outperforms 77.85% of its industry peers.
- A Debt/Equity ratio of 0.20 indicates that RNR is not too dependend on debt financing.
- RNR has a Debt to Equity ratio of 0.20. This is in the better half of the industry: RNR outperforms 69.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.63 | ||
| Altman-Z | 0.92 |
ROIC/WACC0.68
WACC7.97%
2.3 Liquidity
- A Current Ratio of 0.78 indicates that RNR may have some problems paying its short term obligations.
- With a decent Current ratio value of 0.78, RNR is doing good in the industry, outperforming 75.84% of the companies in the same industry.
- A Quick Ratio of 0.78 indicates that RNR may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.78, RNR is in the better half of the industry, outperforming 75.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
- The earnings per share for RNR have decreased by -7.28% in the last year.
- Measured over the past years, RNR shows a very strong growth in Earnings Per Share. The EPS has been growing by 132.12% on average per year.
- RNR shows a small growth in Revenue. In the last year, the Revenue has grown by 3.75%.
- Measured over the past years, RNR shows a quite strong growth in Revenue. The Revenue has been growing by 19.20% on average per year.
EPS 1Y (TTM)-7.28%
EPS 3Y77.83%
EPS 5Y132.12%
EPS Q2Q%65.51%
Revenue 1Y (TTM)3.75%
Revenue growth 3Y34.19%
Revenue growth 5Y19.2%
Sales Q2Q%-7.64%
3.2 Future
- RNR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.94% yearly.
- RNR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.16% yearly.
EPS Next Y-7.03%
EPS Next 2Y0.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.56%
Revenue Next 2Y1.72%
Revenue Next 3Y0.16%
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
- With a Price/Earnings ratio of 7.72, the valuation of RNR can be described as very cheap.
- 75.17% of the companies in the same industry are more expensive than RNR, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.07. RNR is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 8.31 indicates a reasonable valuation of RNR.
- Based on the Price/Forward Earnings ratio, RNR is valued a bit cheaper than 68.46% of the companies in the same industry.
- RNR is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 8.31 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, RNR is valued a bit cheaper than the industry average as 76.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- RNR has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y0.94%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a yearly dividend of 0.55%, RNR is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.46, RNR is paying slightly less dividend.
- With a Dividend Yield of 0.55, RNR pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
5.2 History
- The dividend of RNR has a limited annual growth rate of 2.27%.
- RNR has been paying a dividend for at least 10 years, so it has a reliable track record.
- RNR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.27%
Div Incr Years26
Div Non Decr Years26
5.3 Sustainability
- 4.23% of the earnings are spent on dividend by RNR. This is a low number and sustainable payout ratio.
- The dividend of RNR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP4.23%
EPS Next 2Y0.94%
EPS Next 3YN/A
307.03
+4.57 (+1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03 2026-02-03/amc
Earnings (Next)04-21 2026-04-21/amc
Inst Owners98.51%
Inst Owner Change-2.18%
Ins Owners1.16%
Ins Owner Change-1.71%
Market Cap13.50B
Revenue(TTM)12.34B
Net Income(TTM)2.60B
Analysts69.09
Price Target318.97 (3.89%)
Short Float %2.65%
Short Ratio2.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
Yearly Dividend2.34
Dividend Growth(5Y)2.27%
DP4.23%
Div Incr Years26
Div Non Decr Years26
Ex-Date03-13 2026-03-13 (0.41)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)44.13%
Min EPS beat(2)30.12%
Max EPS beat(2)58.13%
EPS beat(4)3
Avg EPS beat(4)24%
Min EPS beat(4)-15.92%
Max EPS beat(4)58.13%
EPS beat(8)7
Avg EPS beat(8)22.97%
EPS beat(12)11
Avg EPS beat(12)23.81%
EPS beat(16)13
Avg EPS beat(16)16.25%
Revenue beat(2)0
Avg Revenue beat(2)-2.72%
Min Revenue beat(2)-4.01%
Max Revenue beat(2)-1.43%
Revenue beat(4)0
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-8.02%
Max Revenue beat(4)-1.43%
Revenue beat(8)1
Avg Revenue beat(8)-4.34%
Revenue beat(12)2
Avg Revenue beat(12)-3.95%
Revenue beat(16)3
Avg Revenue beat(16)-7.41%
PT rev (1m)5.7%
PT rev (3m)10.2%
EPS NQ rev (1m)6.08%
EPS NQ rev (3m)9.72%
EPS NY rev (1m)0.57%
EPS NY rev (3m)3.89%
Revenue NQ rev (1m)1.9%
Revenue NQ rev (3m)8.49%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)-1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 8.31 | ||
| P/S | 1.09 | ||
| P/FCF | 3.65 | ||
| P/OCF | 3.65 | ||
| P/B | 1.16 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.76
EY12.95%
EPS(NY)36.96
Fwd EY12.04%
FCF(TTM)84.01
FCFY27.36%
OCF(TTM)84.01
OCFY27.36%
SpS280.76
BVpS264.07
TBVpS249.67
PEG (NY)N/A
PEG (5Y)0.06
Graham Number486.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.84% | ||
| ROE | 22.43% | ||
| ROCE | 6.82% | ||
| ROIC | 5.39% | ||
| ROICexc | 5.57% | ||
| ROICexgc | 6.32% | ||
| OM | 29.45% | ||
| PM (TTM) | 21.1% | ||
| GM | N/A | ||
| FCFM | 29.92% |
ROA(3y)4.49%
ROA(5y)2.05%
ROE(3y)21.95%
ROE(5y)8.82%
ROIC(3y)4.85%
ROIC(5y)N/A
ROICexc(3y)5.02%
ROICexc(5y)N/A
ROICexgc(3y)5.82%
ROICexgc(5y)N/A
ROCE(3y)6.14%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y13.46%
ROICexc growth 3YN/A
ROICexc growth 5Y14.49%
OM growth 3YN/A
OM growth 5Y8.52%
PM growth 3YN/A
PM growth 5Y8.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 32.5 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 141.84% | ||
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z | 0.92 |
F-Score7
WACC7.97%
ROIC/WACC0.68
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)149.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.28%
EPS 3Y77.83%
EPS 5Y132.12%
EPS Q2Q%65.51%
EPS Next Y-7.03%
EPS Next 2Y0.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.75%
Revenue growth 3Y34.19%
Revenue growth 5Y19.2%
Sales Q2Q%-7.64%
Revenue Next Year-0.56%
Revenue Next 2Y1.72%
Revenue Next 3Y0.16%
Revenue Next 5YN/A
EBIT growth 1Y-14.02%
EBIT growth 3YN/A
EBIT growth 5Y29.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.33%
FCF growth 3Y32.06%
FCF growth 5Y13.13%
OCF growth 1Y-11.33%
OCF growth 3Y32.06%
OCF growth 5Y13.13%
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 6 / 10 to RENAISSANCERE HOLDINGS LTD (RNR). This can be considered as Fairly Valued.
What is the profitability of RNR stock?
RENAISSANCERE HOLDINGS LTD (RNR) has a profitability rating of 7 / 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 7.72 and the Price/Book (PB) ratio is 1.16.
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 -7.03% in the next year.