Stock Analysis
RenaissanceRe Holdings Ltd.RNR
P/E 5.54×· 5Y range 3.30–23.04×· 47th percentile of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold23 analystsP/E 5.5× sits at the 47th percentile of its 5.0513347022587265-year history.
Cash covers 56% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Profitability82
Risks
- Growth25
- Quality40
Mixed picture — no clear quality or value edge.
Market context
+2.0% today· Z 1.5σ
Bull Case
- ✓Revenue CAGR 24.9% — durable top-line growth
- ✓Interest coverage 27.4× — debt well covered
What's happening with RNR
Profile
Strong profitability; moat, growth, earnings quality and financial health lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (47th pct)12/25
- FCF yield (n/a)10/25
- P/S (1.3x)25/25
- EV/EBIT (3.5x)25/25
- Growth25/100 · Weak
- Revenue CAGR (24.9%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (-29.1%)0/25
- Profitability82/100 · Strong
- ROIC (17.6%)20/25
- ROE (13.7%)12/25
- Net margin (23.7%)25/25
- Operating margin (40.3%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.47)3/25
- Current ratio (0.55)0/25
- Interest coverage (27.4x)25/25
- Net cash / debt (D/A 2%)20/25
- Quality40/100 · Weak
- Piotroski F (6/9)15/25
- Beneish M (-2.56)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 27.0%)0/25
- Moat13/100 · Weak
- ROIC >12% years (6/10 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst -21.0%)0/25
Risk Flags
- ⚠Altman Z 0.5 — distress-zone balance sheet
- ⚠3 loss-making years in recent history
About RenaissanceRe Holdings Ltd.
RenaissanceRe Holdings Ltd provides reinsurance and insurance solutions and related services. Show more
The company's core products include property, casualty and specialty reinsurance. Revenue is derived from three sources: net premiums earned from the insurance and insurance products sold; net investment income from the investment of capital funds and cash; and other income from the company's joint ventures, advisory services, and other items. The reportable segments of the company are the Property segment which includes catastrophe and other property reinsurance, and the Casualty and Specialty segment which is comprised of casualty and specialty reinsurance. It derives a majority of its revenue from the Casualty and specialty segment.
Headquarters: PEMBROKE, D0 · Employees: 1,040 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
72B+P/E (TTM)5.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.3x–23.0x · 47th pct
P/FCF4.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield25.3%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.31xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.7x–2.1x · 77th pct
EV/EBIT3.5xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 1.5x–54.7x · 74th pct
EV/Sales1.3xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E7.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.76xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.86A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.74%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio4.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
82AROIC17.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE13.7%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA4.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin23.7%A
Grade A: HighNet Income / Revenue
Operating Margin40.3%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR24.9%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-29.1%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-22.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.47D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.55xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.55xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage27.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT0.2xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.12xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.56xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
40D+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.56A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability27.0%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.21xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Curtis Ross Filed | Curtis Ross | SellOpen market sale | -5000 | |
Curtis Ross Filed | Curtis Ross | SellOpen market sale | -4623 | |
Curtis Ross Filed | Curtis Ross | SellOpen market sale | -377 | |
Curtis Ross Filed | Curtis Ross | SellOpen market sale | -5000 | |
Curtis Ross Filed | Curtis Ross | SellOpen market sale | -5000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Qutub Robert Filed | Qutub Robert | SellOpen market sale | -778 | |
Qutub Robert Filed | Qutub Robert | SellOpen market sale | -2640 | |
Qutub Robert Filed | Qutub Robert | SellOpen market sale | -1582 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
13EROIC >12% Years6/10 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor-21.0%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$63.38
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$23.37
Cash & short-term investments per share (Finnhub)
Book Value / Share$282.70
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.34B
Total debt obligations (short + long term)
Cash & Equiv.$1.30B
Cash and short-term investments
Net Debt$1.04B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$19.16B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$14.59B
Current Market Capitalization
Beta0.14B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: RenaissanceRe Holdings Ltd. (RNR)
RNR is up 2.00% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for RenaissanceRe Holdings Ltd.. Altman Z-Score of 0.47 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.56 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 25% annually — a strong growth profile.
- RenaissanceRe Holdings Ltd. posted a net loss in 3 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 72/100, RNR trades near the cheapest end of its own historical range (P/E 5.5).
See how RNR ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all RNR moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 12 | Regular | 340.31 | +2.69% | 2.73 |
| Oct 12 | After-hours | 339.00 | +2.30% | 2.33 |
| Oct 8 | Regular | 333.58 | +3.27% | 3.75 |
| Oct 8 | After-hours | 331.34 | +2.57% | 2.98 |
Frequently Asked Questions about RNR
What is the current RenaissanceRe Holdings Ltd. (RNR) stock price?
RNR is trading at $351.06 at the last market close, up 2.00% on the session. PreMarketPrice tracks RNR pre-market, intraday and after-hours prices.
Is RNR stock a buy right now?
PreMarketPrice's quantitative model rates RenaissanceRe Holdings Ltd.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is RNR stock overvalued?
RenaissanceRe Holdings Ltd. trades at a trailing P/E of 5.5 and our valuation score rates it 72/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does RenaissanceRe Holdings Ltd. report earnings?
No confirmed earnings date is currently scheduled for RNR. The Earnings section lists recent reports and updates as dates are announced.
What sector does RenaissanceRe Holdings Ltd. operate in?
RenaissanceRe Holdings Ltd. operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does RenaissanceRe Holdings Ltd. do?
RenaissanceRe Holdings Ltd provides reinsurance and insurance solutions and related services.
About RenaissanceRe Holdings Ltd. (RNR) Stock
RenaissanceRe Holdings Ltd. (RNR) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, RenaissanceRe Holdings Ltd. is trading at $351.06, up 2.00% on the day with a market capitalization of $14.6 billion. The financial health score for RNR is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for RNR stock.
RNR Stock Analysis & Key Metrics
On PreMarketPrice, you can track RenaissanceRe Holdings Ltd. (RNR) across multiple dimensions:
- Pre-market price & movement: Real-time RNR stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for RNR with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for RenaissanceRe Holdings Ltd. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for RNR.
- Sector peers: Compare RNR against 6 other financial services stocks on key financial metrics.
Is RNR a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate RenaissanceRe Holdings Ltd. (RNR) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.RenaissanceRe Holdings Ltd. (RNR) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.