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
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to RNR. RNR was compared to 150 industry peers in the Insurance industry. While RNR has a great profitability rating, there are some minor concerns on its financial health. RNR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years RNR had a positive operating cash flow.
RNR Yearly Net Income VS EBIT VS OCF VS FCFRNR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B 3B 4B

1.2 Ratios

  • The Return On Assets of RNR (4.84%) is better than 81.33% of its industry peers.
  • With an excellent Return On Equity value of 22.43%, RNR belongs to the best of the industry, outperforming 89.33% of the companies in the same industry.
  • The Return On Invested Capital of RNR (5.39%) is better than 80.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RNR is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (4.85%) for RNR is below the current ROIC(5.39%), indicating increased profibility in the last year.
Industry RankSector 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
RNR Yearly ROA, ROE, ROICRNR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • The Profit Margin of RNR (21.10%) is better than 88.00% of its industry peers.
  • RNR's Profit Margin has improved in the last couple of years.
  • The Operating Margin of RNR (29.45%) is better than 91.33% of its industry peers.
  • In the last couple of years the Operating Margin of RNR has grown nicely.
Industry RankSector 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
RNR Yearly Profit, Operating, Gross MarginsRNR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RNR is destroying value.
  • RNR has less shares outstanding than it did 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.
RNR Yearly Shares OutstandingRNR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
RNR Yearly Total Debt VS Total AssetsRNR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

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.
  • Looking at the Altman-Z score, with a value of 0.92, RNR belongs to the top of the industry, outperforming 81.33% of the companies in the same industry.
  • 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.
  • A Debt/Equity ratio of 0.20 indicates that RNR is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.20, RNR is in the better half of the industry, outperforming 69.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 0.63
Altman-Z 0.92
ROIC/WACC0.67
WACC8.06%
RNR Yearly LT Debt VS Equity VS FCFRNR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.78 indicates that RNR may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.78, RNR is in the better half of the industry, outperforming 76.67% of the companies in the same industry.
  • RNR has a Quick 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 Quick ratio of 0.78. This is in the better half of the industry: RNR outperforms 76.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.78
Quick Ratio 0.78
RNR Yearly Current Assets VS Current LiabilitesRNR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for RNR have decreased by -7.28% in the last year.
  • The Earnings Per Share has been growing by 132.12% on average over the past years. This is a very strong growth
  • Looking at the last year, RNR shows a small growth in Revenue. The Revenue has grown by 3.75% in the last year.
  • The Revenue has been growing by 19.20% on average over the past years. This is quite good.
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.
  • Based on estimates for the next years, RNR will show a small growth in Revenue. The Revenue will grow by 0.16% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RNR Yearly Revenue VS EstimatesRNR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
RNR Yearly EPS VS EstimatesRNR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 10 20 30 40

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.52 indicates a rather cheap valuation of RNR.
  • RNR's Price/Earnings ratio is a bit cheaper when compared to the industry. RNR is cheaper than 76.00% of the companies in the same industry.
  • RNR is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • 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 68.67% of the companies in the same industry.
  • 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 RankSector Rank
PE 7.52
Fwd PE 8.09
RNR Price Earnings VS Forward Price EarningsRNR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF 3.56
EV/EBITDA N/A
RNR Per share dataRNR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

  • The decent profitability rating of RNR may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y0.94%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

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 2.58, 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 RankSector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.27%
Div Incr Years26
Div Non Decr Years26
RNR Yearly Dividends per shareRNR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • RNR pays out 4.23% of its income as dividend. This is a sustainable payout ratio.
  • RNR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP4.23%
EPS Next 2Y0.94%
EPS Next 3YN/A
RNR Yearly Income VS Free CF VS DividendRNR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B 3B 4B
RNR Dividend Payout.RNR Dividend Payout, showing the Payout Ratio.RNR Dividend Payout.PayoutRetained Earnings

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RENAISSANCERE HOLDINGS LTD

NYSE:RNR (2/20/2026, 8:04:00 PM)

After market: 299 0 (0%)

299

-1 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)04-21
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 RankSector 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
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 RankSector 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 RankSector 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 RankSector 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 4 / 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 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 7.52 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.