Renaissancere Holdings (RNR) AI Stock Analysis

• Market Cap: $11.38B
• Dividend Yield: 0.65%
• Average Volume (3M): 495.18K
• Price to Earnings (P/E): 6.2
• Beta (1Y): 0.18
• Revenue Growth: 23.19%
• EPS Growth: -22.42%
• Country: US
• Employees: 945
• Sector: Financial
• Sector Strength: 68
• Industry: Insurance - Reinsurance
• EPS (TTM): 12.29
• Shares Outstanding: 47,066,216
• 10 Day Avg. Volume: 645,447
• 30 Day Avg. Volume: 495,183
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.89
• Enterprise Value/Revenue: 1.68
• Enterprise Value/Gross Profit: 25.20
• Enterprise Value/Ebitda: 6.61
• 1Y Price Target: $270.78
• Price Target Upside: 12.83% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 10

• Rating: 79 Outperform
• Price Target: $275.00 ▲(14.59%Upside)

Renaissancere Holdings demonstrates strong financial performance, highlighted by robust revenue growth and a solid balance sheet. The company's strategic execution and positive earnings call sentiment further enhance its appeal, despite mixed technical indicators. The low P/E ratio underscores potential value opportunities, contributing to a favorable overall stock score.

Positive Factors

Earnings

The company's operating earnings per share exceeded both analyst estimates and the highest expectations from the market.

Financial Performance

RenRe's net prior-year favorable loss development significantly exceeded forecasts, contributing to better-than-expected results.

Valuation

The stock is considered undervalued, making it an attractive valuation.

Negative Factors

Casualty & Specialty

There are ongoing concerns in the Casualty & Specialty books due to a combined ratio that missed forecasts, suggesting a conservative approach to loss reserving.

External Challenges

Near-term ROE is under pressure due to California wildfires, various aviation-related accidents, and a soft pricing environment.

Renaissancere Holdings Business Overview & Revenue Model

Company Description

RenaissanceRe Holdings Ltd. provides reinsurance and insurance products in the United States and internationally. The company operates through Property, and Casualty and Specialty segments. The Property segment writes property catastrophe excess of loss reinsurance and excess of loss retrocessional reinsurance to insure insurance and reinsurance companies against natural and man-made catastrophes, including hurricanes, earthquakes, typhoons, and tsunamis, as well as claims arising from other natural and man-made catastrophes comprising winter storms, freezes, floods, fires, windstorms, tornadoes, explosions, and acts of terrorism; and other property class of products, such as proportional reinsurance, property per risk, property reinsurance, binding facilities, and regional U.S. multi-line reinsurance. The Casualty and Specialty segment writes various classes of products, such as directors and officers, medical malpractice, and professional indemnity; automobile and employer's liability, casualty clash, umbrella or excess casualty, workers' compensation, and general liability; financial and mortgage guaranty, political risk, surety, and trade credit; and accident and health, agriculture, aviation, cyber, energy, marine, satellite, and terrorism. The company distributes its products and services primarily through intermediaries. RenaissanceRe Holdings Ltd. was founded in 1993 and is headquartered in Pembroke, Bermuda.

How the Company Makes Money

RenaissanceRe makes money primarily through the underwriting of reinsurance contracts, which involves assuming a portion of the risk from insurance companies in exchange for premium payments. These premiums are a major revenue stream and are calculated based on the probability and potential severity of insured events. The company earns income from both property catastrophe reinsurance, which covers losses from natural disasters such as hurricanes and earthquakes, and specialty reinsurance, which addresses unique and complex risks. Additionally, RenaissanceRe invests the premiums it receives into various financial instruments, generating investment income that contributes to its overall earnings. The company's success is bolstered by its ability to accurately assess and price risk, as well as maintain strong relationships with its clients and partners in the insurance industry.

Renaissancere Holdings Financial Statement Overview

Summary

Renaissancere Holdings demonstrates robust financial health with strong revenue growth, high profitability, and effective cash management. The balance sheet is solid with no current debt and a high equity ratio, ensuring financial flexibility and stability.

Income Statement

Renaissancere Holdings shows strong revenue growth with a TTM revenue of $12.33 billion, up from $11.65 billion annually. Gross profit margins are exceptionally high, indicating strong cost management. However, net income has declined slightly, impacting net profit margins. EBIT margins remain robust, supporting operational efficiency.

Balance Sheet

The company maintains a strong balance sheet with no current debt, improving financial flexibility. A high equity ratio and consistent return on equity underscore stability and shareholder value creation. Strong cash positions relative to liabilities enhance resilience against market fluctuations.

Cash Flow

Operating cash flow remains strong, indicating healthy core business operations. Although free cash flow decreased from the previous period, it remains positive, supporting sustainable growth. The company effectively converts net income into cash, reflecting solid cash management practices.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	11.65B	9.09B	5.05B	5.27B	5.16B
Gross Profit	3.67B	9.09B	5.12B	174.46M	5.16B
EBITDA	3.01B	3.28B	-1.20B	-126.27M	1.07B
Net Income	1.87B	2.53B	-1.06B	-40.88M	762.40M
Balance Sheet
Total Assets	50.71B	49.01B	36.55B	33.96B	30.82B
Cash, Cash Equivalents and Short-Term Investments	6.21B	6.48B	5.86B	7.16B	6.73B
Total Debt	1.89B	1.96B	1.17B	1.17B	1.14B
Total Liabilities	33.16B	33.45B	26.69B	23.78B	19.87B
Stockholders Equity	10.57B	9.45B	5.33B	6.62B	7.56B
Cash Flow
Free Cash Flow	4.16B	1.91B	1.12B	2.05B	4.30B
Operating Cash Flow	4.16B	1.91B	1.60B	1.23B	1.99B
Investing Cash Flow	-3.06B	-3.82B	-3.02B	-816.30M	-2.30B
Financing Cash Flow	-1.29B	2.59B	725.34M	-302.46M	665.21M

Renaissancere Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 239.98
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RNR, the sentiment is Negative. The current price of 239.98 is above the 20-day moving average (MA) of 239.95, below the 50-day MA of 242.17, and below the 200-day MA of 248.20, indicating a neutral trend. The MACD of 0.34 indicates Negative momentum. The RSI at 48.02 is Neutral, neither overbought nor oversold. The STOCH value of 52.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RNR.

Renaissancere Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNR	79 Outperform	$11.38B	6.17	18.75%	0.65%	23.19%	-22.42%
HG	78 Outperform	$2.17B	6.64	14.07%	―	35.36%	-3.34%
EG	75 Outperform	$14.09B	17.26	5.52%	2.41%	10.40%	-71.67%
SPNT	74 Outperform	$2.28B	19.69	4.82%	―	-5.57%	-44.54%
RGA	73 Outperform	$11.72B	15.43	7.07%	2.01%	1.53%	-10.27%
GLRE	65 Neutral	$440.93M	9.70	7.04%	―	5.21%	-57.04%
Sector *	62 Neutral	AU$10.22B	9.27	11.82%	5.04%	33.79%	41.40%

Renaissancere Holdings Corporate Events

RenaissanceRe Holdings Releases 2024 Financial Condition Report

On June 3, 2025, RenaissanceRe Holdings Ltd. published its Financial Condition Report for the year ending December 31, 2024. The report, filed with the Bermuda Monetary Authority, details the company’s business performance, governance, risk profile, and capital management, providing insights into its operational and financial health.

The most recent analyst rating on (RNR) stock is a Buy with a $305.00 price target. To see the full list of analyst forecasts on Renaissancere Holdings stock, see the RNR Stock Forecast page.

Renaissancere Holdings Holds Annual Shareholder Meeting

On May 6, 2025, Renaissancere Holdings held its Annual General Meeting of Shareholders in Pembroke, Bermuda. During the meeting, shareholders elected directors for Class II and Class III positions, approved executive compensation, and appointed PricewaterhouseCoopers Ltd. as the independent registered public accounting firm for the 2025 fiscal year.