RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:RNR - BMG7496G1033 - Common Stock
271.89 USD
-2.22 (-0.81%)
271.89 USD
0 (0%)
Taking everything into account, RNR scores 5 out of 10 in our fundamental rating. 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! These ratings could make RNR a good candidate for value 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.
- The reported net income has been mixed in the past 5 years: RNR reported negative net income in multiple years.
- RNR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- RNR has a better Return On Assets (3.06%) than 65.07% of its industry peers.
- The Return On Equity of RNR (14.51%) is better than 67.81% of its industry peers.
- RNR's Return On Invested Capital of 4.30% is fine compared to the rest of the industry. RNR outperforms 72.60% of its industry peers.
| 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's Profit Margin of 13.59% is fine compared to the rest 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.
- 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
- RNR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- RNR has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for RNR has been increased compared to 5 years ago.
- Compared to 1 year ago, RNR has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.83, we must say that RNR is in the distress zone and has some risk of bankruptcy.
- RNR has a better Altman-Z score (0.83) than 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.
- RNR has a better Debt to FCF ratio (0.56) than 79.45% of its industry peers.
- RNR has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
- RNR has a Debt to Equity ratio of 0.19. This is in the better half of the industry: RNR outperforms 69.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 0.83 |
ROIC/WACC0.53
WACC8.12%
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.
- 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.
- RNR has a Quick ratio of 0.18. This is in the better half of the industry: RNR outperforms 69.18% of its industry peers.
| 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.
- 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.
- RNR shows a small growth in Revenue. In the last year, the Revenue has grown by 6.33%.
- RNR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.24% yearly.
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 -2.78% yearly.
- RNR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.03% yearly.
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
- 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
- Based on the Price/Earnings ratio of 7.89, the valuation of RNR can be described as very cheap.
- Based on the Price/Earnings ratio, RNR is valued a bit cheaper than the industry average as 73.97% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, RNR is valued rather cheaply.
- A Price/Forward Earnings ratio of 7.59 indicates a rather cheap valuation of RNR.
- 73.29% of the companies in the same industry are more expensive than RNR, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of RNR to the average of the S&P500 Index (24.12), we can say RNR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.89 | ||
| Fwd PE | 7.59 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RNR indicates a rather cheap valuation: RNR is cheaper than 80.14% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, RNR is valued cheaper than 80.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.14 | ||
| EV/EBITDA | 4.45 |
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 of 0.57%, RNR is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.42, RNR is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.91, RNR's dividend is way lower than the S&P500 average.
| 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 paid a dividend for at least 10 years, which is a reliable track record.
- RNR has not decreased their dividend for at least 10 years, which is a reliable track record.
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%
271.89
-2.22 (-0.81%)
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 Cap12.54B
Revenue(TTM)12.28B
Net Income(TTM)1.67B
Analysts69.09
Price Target295.29 (8.61%)
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 | 7.89 | ||
| Fwd PE | 7.59 | ||
| P/S | 1.02 | ||
| P/FCF | 3.14 | ||
| P/OCF | 3.14 | ||
| P/B | 1.09 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | 4.45 |
EPS(TTM)34.48
EY12.68%
EPS(NY)35.82
Fwd EY13.17%
FCF(TTM)86.51
FCFY31.82%
OCF(TTM)86.51
OCFY31.82%
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
WACC8.12%
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 7.89 and the Price/Book (PB) ratio is 1.09.
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.