RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - NYSE:RNR - BMG7496G1033 - Common Stock
259.12 USD
-3.03 (-1.16%)
We assign a fundamental rating of 6 out of 10 to RNR. RNR was compared to 145 industry peers in the Insurance industry. RNR has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on RNR. RNR also has an excellent dividend rating. With these ratings, RNR could be worth investigating further for value and dividend investing!.
1. Profitability
1.1 Basic Checks
In the past year RNR was profitable.
RNR had a positive operating cash flow in the past year.
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 (3.53%) is better than 72.41% of its industry peers.
Looking at the Return On Equity, with a value of 17.89%, RNR belongs to the top of the industry, outperforming 83.45% of the companies in the same industry.
The Return On Invested Capital of RNR (3.87%) is better than 70.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.53% | ||
| ROE | 17.89% | ||
| ROIC | 3.87% |
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 15.44% is amongst the best of the industry. RNR outperforms 82.76% of its industry peers.
RNR's Profit Margin has declined in the last couple of years.
RNR has a better Operating Margin (21.22%) than 82.76% of its industry peers.
RNR's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.22% | ||
| PM (TTM) | 15.44% | ||
| 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.
Compared to 1 year ago, RNR has less shares outstanding
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
RNR has an Altman-Z score of 0.79. This is a bad value and indicates that RNR is not financially healthy and even has some risk of bankruptcy.
RNR has a Altman-Z score of 0.79. This is in the better half of the industry: RNR outperforms 75.86% of its industry peers.
RNR has a debt to FCF ratio of 0.58. This is a very positive value and a sign of high solvency as it would only need 0.58 years to pay back of all of its debts.
RNR's Debt to FCF ratio of 0.58 is fine compared to the rest of the industry. RNR outperforms 78.62% of its industry peers.
RNR has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
RNR's Debt to Equity ratio of 0.21 is fine compared to the rest of the industry. RNR outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | 0.79 |
ROIC/WACC0.48
WACC8.07%
2.3 Liquidity
RNR has a Current Ratio of 0.57. 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's Current ratio of 0.57 is fine compared to the rest of the industry. RNR outperforms 75.86% of its industry peers.
A Quick Ratio of 0.57 indicates that RNR may have some problems paying its short term obligations.
RNR has a Quick ratio of 0.57. This is in the better half of the industry: RNR outperforms 75.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
3. Growth
3.1 Past
The earnings per share for RNR have decreased strongly by -34.91% in the last year.
RNR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.08% yearly.
RNR shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.49%.
RNR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.24% yearly.
EPS 1Y (TTM)-34.91%
EPS 3Y208.53%
EPS 5Y36.08%
EPS Q2Q%-0.97%
Revenue 1Y (TTM)22.49%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%-5.08%
3.2 Future
Based on estimates for the next years, RNR will show a decrease in Earnings Per Share. The EPS will decrease by -3.46% on average per year.
Based on estimates for the next years, RNR will show a small growth in Revenue. The Revenue will grow by 2.31% on average per year.
EPS Next Y-44.14%
EPS Next 2Y-8.81%
EPS Next 3Y-3.46%
EPS Next 5YN/A
Revenue Next Year0.71%
Revenue Next 2Y2.17%
Revenue Next 3Y2.31%
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
RNR is valuated reasonably with a Price/Earnings ratio of 8.91.
68.97% of the companies in the same industry are more expensive than RNR, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RNR to the average of the S&P500 Index (27.91), we can say RNR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.27, the valuation of RNR can be described as very cheap.
74.48% of the companies in the same industry are more expensive than RNR, based on the Price/Forward Earnings ratio.
RNR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.91 | ||
| Fwd PE | 7.27 |
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 82.76% of the companies listed in the same industry.
RNR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RNR is cheaper than 82.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.13 | ||
| EV/EBITDA | 4.55 |
4.3 Compensation for Growth
The decent profitability rating of RNR may justify a higher PE ratio.
A cheap valuation may be justified as RNR's earnings are expected to decrease with -3.46% in the coming years.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-8.81%
EPS Next 3Y-3.46%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.18%, RNR is a good candidate for dividend investing.
RNR's Dividend Yield is rather good when compared to the industry average which is at 3.33. RNR pays more dividend than 89.66% of the companies in the same industry.
RNR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.18% |
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 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 5.90% of its income as dividend. This is a sustainable payout ratio.
DP5.9%
EPS Next 2Y-8.81%
EPS Next 3Y-3.46%
NYSE:RNR (10/9/2025, 3:23:57 PM)
259.12
-3.03 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners101.37%
Inst Owner Change0%
Ins Owners1.13%
Ins Owner Change-1.3%
Market Cap12.20B
Analysts71
Price Target284.33 (9.73%)
Short Float %3.57%
Short Ratio3.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.18% |
Yearly Dividend2.26
Dividend Growth(5Y)0.22%
DP5.9%
Div Incr Years26
Div Non Decr Years26
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.87%
Min EPS beat(2)-15.92%
Max EPS beat(2)23.67%
EPS beat(4)3
Avg EPS beat(4)12.98%
Min EPS beat(4)-15.92%
Max EPS beat(4)30.69%
EPS beat(8)7
Avg EPS beat(8)21.17%
EPS beat(12)10
Avg EPS beat(12)16.02%
EPS beat(16)13
Avg EPS beat(16)11.23%
Revenue beat(2)0
Avg Revenue beat(2)-5.54%
Min Revenue beat(2)-6.92%
Max Revenue beat(2)-4.17%
Revenue beat(4)1
Avg Revenue beat(4)-0.96%
Min Revenue beat(4)-6.92%
Max Revenue beat(4)8.76%
Revenue beat(8)2
Avg Revenue beat(8)-2.7%
Revenue beat(12)3
Avg Revenue beat(12)-2.08%
Revenue beat(16)4
Avg Revenue beat(16)-5.8%
PT rev (1m)-1.31%
PT rev (3m)0.31%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)11.41%
EPS NY rev (1m)1.86%
EPS NY rev (3m)13.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.78%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-3.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.91 | ||
| Fwd PE | 7.27 | ||
| P/S | 0.98 | ||
| P/FCF | 3.13 | ||
| P/OCF | 3.13 | ||
| P/B | 1.13 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | 4.55 |
EPS(TTM)29.09
EY11.23%
EPS(NY)35.65
Fwd EY13.76%
FCF(TTM)82.78
FCFY31.95%
OCF(TTM)82.78
OCFY31.95%
SpS265.76
BVpS229.44
TBVpS215.23
PEG (NY)N/A
PEG (5Y)0.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.53% | ||
| ROE | 17.89% | ||
| ROCE | 4.89% | ||
| ROIC | 3.87% | ||
| ROICexc | 3.97% | ||
| ROICexgc | 4.58% | ||
| OM | 21.22% | ||
| PM (TTM) | 15.44% | ||
| GM | N/A | ||
| FCFM | 31.15% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.21 | ||
| Debt/FCF | 0.58 | ||
| Debt/EBITDA | 0.78 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 134.56% | ||
| Profit Quality | 201.7% | ||
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 | ||
| Altman-Z | 0.79 |
F-Score5
WACC8.07%
ROIC/WACC0.48
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)-34.91%
EPS 3Y208.53%
EPS 5Y36.08%
EPS Q2Q%-0.97%
EPS Next Y-44.14%
EPS Next 2Y-8.81%
EPS Next 3Y-3.46%
EPS Next 5YN/A
Revenue 1Y (TTM)22.49%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%-5.08%
Revenue Next Year0.71%
Revenue Next 2Y2.17%
Revenue Next 3Y2.31%
Revenue Next 5YN/A
EBIT growth 1Y-30.43%
EBIT growth 3YN/A
EBIT growth 5Y27.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y98.68%
FCF growth 3Y49.97%
FCF growth 5Y14.27%
OCF growth 1Y98.68%
OCF growth 3Y49.97%
OCF growth 5Y14.27%