RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
NYSE:RNR • BMG7496G1033
299 USD
-1 (-0.33%)
At close: Feb 20, 2026
299 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
RNR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. While RNR belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. 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.
- 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.
- Each year in the past 5 years RNR had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of RNR (4.84%) is better than 80.67% of its industry peers.
- The Return On Equity of RNR (22.43%) is better than 89.33% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 5.39%, RNR belongs to the top of the industry, outperforming 80.67% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for RNR is significantly below the industry average of 15.13%.
- 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
- Looking at the Profit Margin, with a value of 21.10%, RNR belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
- RNR's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 29.45%, RNR belongs to the top of the industry, outperforming 91.33% of the companies in the same industry.
- RNR's Operating Margin has improved in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RNR is destroying value.
- The number of shares outstanding for RNR has been reduced compared to 1 year ago.
- Compared to 5 years ago, RNR has less shares outstanding
- Compared to 1 year ago, RNR has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.92, we must say that RNR is in the distress zone and has some risk of bankruptcy.
- RNR's Altman-Z score of 0.92 is amongst the best of the industry. RNR outperforms 81.33% 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.
- Looking at the Debt to FCF ratio, with a value of 0.63, RNR is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
- RNR has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.20, RNR is doing good in the industry, outperforming 69.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.63 | ||
| Altman-Z | 0.92 |
ROIC/WACC0.67
WACC8.06%
2.3 Liquidity
- RNR has a Current Ratio of 0.78. 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 Current ratio of 0.78. This is in the better half of the industry: RNR outperforms 76.67% of its industry peers.
- A Quick Ratio of 0.78 indicates that RNR may have some problems paying its short term obligations.
- RNR has a better Quick ratio (0.78) than 76.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
- RNR shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.28%.
- 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
- The Earnings Per Share is expected to grow by 0.94% on average over the next years.
- 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
- 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 7.52, which indicates a rather cheap valuation of RNR.
- 76.00% of the companies in the same industry are more expensive than RNR, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 26.99, RNR is valued rather cheaply.
- A Price/Forward Earnings ratio of 8.09 indicates a reasonable valuation of RNR.
- Based on the Price/Forward Earnings ratio, RNR is valued a bit cheaper than the industry average as 68.67% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of RNR to the average of the S&P500 Index (28.02), we can say RNR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 8.09 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, RNR is valued a bit cheaper than 77.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.56 | ||
| 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
- RNR has a yearly dividend return of 0.55%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.58, RNR is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.81, RNR's dividend is way lower than the S&P500 average.
| 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 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)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
299
-1 (-0.33%)
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-2.19%
Ins Owners1.16%
Ins Owner Change-1.71%
Market Cap13.14B
Revenue(TTM)12.34B
Net Income(TTM)2.60B
Analysts69.09
Price Target304.62 (1.88%)
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)0.94%
PT rev (3m)5.24%
EPS NQ rev (1m)4.64%
EPS NQ rev (3m)8.24%
EPS NY rev (1m)0.57%
EPS NY rev (3m)3.89%
Revenue NQ rev (1m)1.9%
Revenue NQ rev (3m)1.98%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)-1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 8.09 | ||
| P/S | 1.06 | ||
| P/FCF | 3.56 | ||
| P/OCF | 3.56 | ||
| P/B | 1.13 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.76
EY13.3%
EPS(NY)36.96
Fwd EY12.36%
FCF(TTM)84.01
FCFY28.1%
OCF(TTM)84.01
OCFY28.1%
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
WACC8.06%
ROIC/WACC0.67
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 7.52 and the Price/Book (PB) ratio is 1.13.
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.