RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNR - BMG7496G1033 - Common Stock
269.92 USD
-1.97 (-0.72%)
269.92 USD
0 (0%)
RNR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. RNR has only an average score on both its financial health and profitability. RNR scores decently on growth, while it is valued quite cheap. This could make an interesting combination. RNR also has an excellent dividend rating. These ratings would make RNR suitable for value and dividend investing!
1. Profitability
1.1 Basic Checks
- In the past year RNR was profitable.
- In the past year RNR had a positive cash flow from operations.
- 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's Return On Assets of 3.06% is fine compared to the rest of the industry. RNR outperforms 65.10% of its industry peers.
- RNR's Return On Equity of 14.51% is fine compared to the rest of the industry. RNR outperforms 67.79% of its industry peers.
- With a decent Return On Invested Capital value of 4.30%, RNR is doing good in the industry, outperforming 71.14% 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 71.81% 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 81.88% of its industry peers.
- RNR's Operating Margin has improved in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RNR is destroying value.
- Compared to 1 year ago, RNR has less shares outstanding
- Compared to 5 years ago, RNR has more shares outstanding
- Compared to 1 year ago, RNR has an improved debt to assets ratio.
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 better Altman-Z score (0.83) than 77.18% of its industry peers.
- RNR has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of 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 79.87% of the companies in the same industry.
- A Debt/Equity ratio of 0.19 indicates that RNR is not too dependend on debt financing.
- RNR has a Debt to Equity ratio of 0.19. This is in the better half of the industry: RNR outperforms 69.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 0.83 |
ROIC/WACC0.53
WACC8.16%
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 67.79% of the companies in the same industry.
- A Quick Ratio of 0.18 indicates that RNR may have some problems paying its short term obligations.
- The Quick ratio of RNR (0.18) is better than 67.79% of its industry peers.
| 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%.
- Measured over the past years, RNR shows a very strong growth in Earnings Per Share. The EPS has been growing by 36.08% on average per year.
- The Revenue has been growing slightly by 6.33% in the past 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
- Based on estimates for the next years, RNR will show a decrease in Earnings Per Share. The EPS will decrease by -2.78% on average per year.
- RNR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.41% yearly.
EPS Next Y-18.14%
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
EPS Next 5YN/A
Revenue Next Year-2.13%
Revenue Next 2Y-1.84%
Revenue Next 3Y0.41%
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 7.83, which indicates a rather cheap 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 75.17% of the companies listed in the same industry.
- RNR is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- RNR is valuated cheaply with a Price/Forward Earnings ratio of 7.54.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RNR indicates a somewhat cheap valuation: RNR is cheaper than 73.15% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. RNR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.83 | ||
| Fwd PE | 7.54 |
4.2 Price Multiples
- RNR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RNR is cheaper than 81.21% of the companies in the same industry.
- 81.21% 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 | 3.12 | ||
| EV/EBITDA | 4.38 |
4.3 Compensation for Growth
- RNR's earnings are expected to decrease with -2.78% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2Y-8.6%
EPS Next 3Y-2.78%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.34%, RNR is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.53, RNR pays a better dividend. On top of this RNR pays more dividend than 87.25% of the companies listed in the same industry.
- RNR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.34% |
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%
269.92
-1.97 (-0.72%)
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 Change0.08%
Ins Owners1.16%
Ins Owner Change-0.41%
Market Cap12.45B
Revenue(TTM)12.28B
Net Income(TTM)1.67B
Analysts69.09
Price Target301.77 (11.8%)
Short Float %3.18%
Short Ratio3.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.34% |
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)2.81%
PT rev (3m)6.14%
EPS NQ rev (1m)10.73%
EPS NQ rev (3m)19.63%
EPS NY rev (1m)2.11%
EPS NY rev (3m)46.54%
Revenue NQ rev (1m)-5.55%
Revenue NQ rev (3m)1.93%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.83 | ||
| Fwd PE | 7.54 | ||
| P/S | 1.01 | ||
| P/FCF | 3.12 | ||
| P/OCF | 3.12 | ||
| P/B | 1.08 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | 4.38 |
EPS(TTM)34.48
EY12.77%
EPS(NY)35.82
Fwd EY13.27%
FCF(TTM)86.51
FCFY32.05%
OCF(TTM)86.51
OCFY32.05%
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
WACC8.16%
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 Year-2.13%
Revenue Next 2Y-1.84%
Revenue Next 3Y0.41%
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 7.83 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.