RENAISSANCERE HOLDINGS LTD (RNR) Stock Fundamental Analysis
USA - NYSE:RNR - BMG7496G1033 - Common Stock
252.83 USD
+5.27 (+2.13%)
RNR gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. Both the profitability and the financial health of RNR get a neutral evaluation. Nothing too spectacular is happening here. RNR scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, RNR could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
RNR had positive earnings in the past year.
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.
In the past 5 years RNR always reported a positive cash flow from operatings.
1.2 Ratios
RNR has a Return On Assets of 3.53%. This is in the better half of the industry: RNR outperforms 72.11% of its industry peers.
The Return On Equity of RNR (17.89%) is better than 82.31% of its industry peers.
The Return On Invested Capital of RNR (3.87%) is better than 70.07% 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 has a better Profit Margin (15.44%) than 82.31% 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 82.99% 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
Compared to 5 years ago, RNR has more shares outstanding
RNR has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.78, we must say that RNR is in the distress zone and has some risk of bankruptcy.
RNR has a better Altman-Z score (0.78) than 76.19% 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 has a Debt to FCF ratio of 0.58. This is in the better half of the industry: RNR outperforms 78.91% 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.
The Debt to Equity ratio of RNR (0.21) is better than 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.58 | ||
| Altman-Z | 0.78 |
ROIC/WACC0.49
WACC7.91%
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 has a Current ratio of 0.57. This is in the better half of the industry: RNR outperforms 76.19% 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 better Quick ratio (0.57) than 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.57 | ||
| Quick Ratio | 0.57 |
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%.
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.
The Revenue has grown by 42.04% in the past year. This is a very strong growth!
Measured over the past years, RNR shows a very strong growth in Revenue. The Revenue has been growing by 23.24% on average per year.
EPS 1Y (TTM)-25.99%
EPS 3Y208.53%
EPS 5Y36.08%
EPS Q2Q%52.69%
Revenue 1Y (TTM)42.04%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%11.22%
3.2 Future
Based on estimates for the next years, RNR will show a decrease in Earnings Per Share. The EPS will decrease by -3.74% on average per year.
The Revenue is expected to grow by 1.30% on average over the next years.
EPS Next Y-34.27%
EPS Next 2Y-9.21%
EPS Next 3Y-3.74%
EPS Next 5YN/A
Revenue Next Year0.57%
Revenue Next 2Y-0.33%
Revenue Next 3Y1.3%
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
RNR is valuated cheaply with a Price/Earnings ratio of 7.33.
Based on the Price/Earnings ratio, RNR is valued a bit cheaper than 74.83% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.76, RNR is valued rather cheaply.
The Price/Forward Earnings ratio is 7.15, which 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 75.51% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, RNR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.33 | ||
| Fwd PE | 7.15 |
4.2 Price Multiples
83.67% of the companies in the same industry are more expensive than RNR, based on the Enterprise Value to EBITDA ratio.
RNR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RNR is cheaper than 82.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.05 | ||
| EV/EBITDA | 4.31 |
4.3 Compensation for Growth
The decent profitability rating of RNR may justify a higher PE ratio.
RNR's earnings are expected to decrease with -3.74% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.2
EPS Next 2Y-9.21%
EPS Next 3Y-3.74%
5. Dividend
5.1 Amount
RNR has a yearly dividend return of 0.69%, which is pretty low.
Compared to an average industry Dividend Yield of 3.26, RNR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, RNR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
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-9.21%
EPS Next 3Y-3.74%
NYSE:RNR (10/30/2025, 10:47:09 AM)
252.83
+5.27 (+2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners101.37%
Inst Owner Change0.41%
Ins Owners1.13%
Ins Owner Change-1.3%
Market Cap11.90B
Revenue(TTM)11.90B
Net Income(TTM)1.93B
Analysts71
Price Target287.33 (13.65%)
Short Float %1.66%
Short Ratio1.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.69% |
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)-7.75%
Min Revenue beat(2)-8.02%
Max Revenue beat(2)-7.47%
Revenue beat(4)1
Avg Revenue beat(4)-2.07%
Min Revenue beat(4)-8.02%
Max Revenue beat(4)8.76%
Revenue beat(8)2
Avg Revenue beat(8)-3.25%
Revenue beat(12)3
Avg Revenue beat(12)-2.45%
Revenue beat(16)4
Avg Revenue beat(16)-6.08%
PT rev (1m)0%
PT rev (3m)0.09%
EPS NQ rev (1m)80.82%
EPS NQ rev (3m)101.29%
EPS NY rev (1m)17.66%
EPS NY rev (3m)31.3%
Revenue NQ rev (1m)-3.67%
Revenue NQ rev (3m)-5.15%
Revenue NY rev (1m)2.36%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.33 | ||
| Fwd PE | 7.15 | ||
| P/S | 0.95 | ||
| P/FCF | 3.05 | ||
| P/OCF | 3.05 | ||
| P/B | 1.1 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | 4.31 |
EPS(TTM)34.48
EY13.64%
EPS(NY)35.35
Fwd EY13.98%
FCF(TTM)82.78
FCFY32.74%
OCF(TTM)82.78
OCFY32.74%
SpS265.76
BVpS229.44
TBVpS215.23
PEG (NY)N/A
PEG (5Y)0.2
Graham Number421.9
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
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 | 0.21 | ||
| 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 | 0.78 |
F-Score5
WACC7.91%
ROIC/WACC0.49
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-34.27%
EPS Next 2Y-9.21%
EPS Next 3Y-3.74%
EPS Next 5YN/A
Revenue 1Y (TTM)42.04%
Revenue growth 3Y30.87%
Revenue growth 5Y23.24%
Sales Q2Q%11.22%
Revenue Next Year0.57%
Revenue Next 2Y-0.33%
Revenue Next 3Y1.3%
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%
RENAISSANCERE HOLDINGS LTD / RNR FAQ
What is the ChartMill fundamental rating of RENAISSANCERE HOLDINGS LTD (RNR) stock?
ChartMill assigns a fundamental rating of 6 / 10 to RNR.
Can you provide the valuation status for RENAISSANCERE HOLDINGS LTD?
ChartMill assigns a valuation rating of 7 / 10 to RENAISSANCERE HOLDINGS LTD (RNR). This can be considered as Undervalued.
How profitable is RENAISSANCERE HOLDINGS LTD (RNR) stock?
RENAISSANCERE HOLDINGS LTD (RNR) has a profitability rating of 6 / 10.
What is the valuation of RENAISSANCERE HOLDINGS LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RENAISSANCERE HOLDINGS LTD (RNR) is 7.33 and the Price/Book (PB) ratio is 1.1.
Can you provide the dividend sustainability for RNR stock?
The dividend rating of RENAISSANCERE HOLDINGS LTD (RNR) is 4 / 10 and the dividend payout ratio is 5.9%.