RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:RNR • BMG7496G1033
281.7 USD
-1.02 (-0.36%)
At close: Jan 30, 2026
281.7 USD
0 (0%)
After Hours: 1/30/2026, 8:17:16 PM
Taking everything into account, RNR scores 5 out of 10 in our fundamental rating. RNR was compared to 148 industry peers in the Insurance industry. RNR has only an average score on both its financial health and profitability. RNR has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- RNR had positive earnings in the past year.
- 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.
- In the past 5 years RNR always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 3.06%, RNR is doing good in the industry, outperforming 65.54% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 14.51%, RNR is in the better half of the industry, outperforming 68.24% of the companies in the same industry.
- RNR's Return On Invested Capital of 4.30% is fine compared to the rest of the industry. RNR outperforms 71.62% 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 has a better Profit Margin (13.59%) than 72.30% of its industry peers.
- In the last couple of years the Profit Margin of RNR has declined.
- RNR has a better Operating Margin (24.04%) than 82.43% 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.
- 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.
- RNR has a better debt/assets ratio than last year.
2.2 Solvency
- RNR has an Altman-Z score of 0.84. This is a bad value and indicates that RNR is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of RNR (0.84) is better than 78.38% 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.
- With a decent Debt to FCF ratio value of 0.56, RNR is doing good in the industry, outperforming 79.73% of the companies in the same industry.
- RNR has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.19, RNR is doing good in the industry, outperforming 69.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 0.84 |
ROIC/WACC0.52
WACC8.21%
2.3 Liquidity
- A Current Ratio of 0.18 indicates that RNR may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.18, RNR is in the better half of the industry, outperforming 68.24% of the companies in the same industry.
- 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.
- With a decent Quick ratio value of 0.18, RNR is doing good in the industry, outperforming 68.24% of the companies in the same industry.
| 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%.
- RNR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.08% yearly.
- Looking at the last year, RNR shows a small growth in Revenue. The Revenue has grown by 6.33% in the last 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
- RNR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.97% yearly.
- The Revenue is expected to grow by 0.41% on average over the next years.
EPS Next Y-15.89%
EPS Next 2Y-7.42%
EPS Next 3Y-1.97%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- RNR is valuated reasonably with a Price/Earnings ratio of 8.17.
- Based on the Price/Earnings ratio, RNR is valued a bit cheaper than the industry average as 72.30% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 28.32. RNR is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 7.66 indicates a rather cheap valuation of RNR.
- Based on the Price/Forward Earnings ratio, RNR is valued a bit cheaper than the industry average as 72.97% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. RNR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.17 | ||
| Fwd PE | 7.66 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, RNR is valued a bit cheaper than the industry average as 79.73% of the companies are valued more expensively.
- 81.76% 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 | 3.26 | ||
| EV/EBITDA | 4.57 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-7.42%
EPS Next 3Y-1.97%
5. Dividend
5.1 Amount
- RNR has a yearly dividend return of 0.57%, which is pretty low.
- RNR's Dividend Yield is slightly below the industry average, which is at 2.23.
- With a Dividend Yield of 0.57, RNR pays less dividend than the S&P500 average, which is at 1.83.
| 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 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
- 6.75% of the earnings are spent on dividend by RNR. This is a low number and sustainable payout ratio.
DP6.75%
EPS Next 2Y-7.42%
EPS Next 3Y-1.97%
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 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 8.17 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 -15.89% in the next year.