Renaissancere Holdings (RNR) AI Stock Analysis

• Market Cap: $11.55B
• Dividend Yield: 0.65%
• Average Volume (3M): 442.62K
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.16
• Revenue Growth: 23.19%
• EPS Growth: -22.42%
• Country: US
• Employees: 945
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Reinsurance
• EPS (TTM): 12.29
• Shares Outstanding: 47,066,216
• 10 Day Avg. Volume: 294,301
• 30 Day Avg. Volume: 442,620
• 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: 1.86
• Enterprise Value/Revenue: 1.68
• Enterprise Value/Gross Profit: 25.20
• Enterprise Value/Ebitda: 6.61
• 1Y Price Target: $270.67
• Price Target Upside: 10.28% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 13

• Rating: 84 Outperform
• Price Target: $285.00 ▲(16.12% Upside)

Renaissancere Holdings' strong financial performance and positive earnings call sentiment are the primary drivers of its high stock score. The company's robust balance sheet, effective cash management, and strategic initiatives underscore its stability and growth potential. Technical analysis and valuation also support a favorable outlook, despite some operational challenges.

Positive Factors

Earnings Performance

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, leading to an upgrade to Overweight.

Negative Factors

Casualty & Specialty Concerns

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

Macro Uncertainties

The stock is facing temporary headwinds due to macro uncertainties, weak property-catastrophe pricing, and losses from California wildfires.

ROE Pressure

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. (RNR) is a leading global provider of reinsurance and insurance solutions. The company operates primarily in the property and casualty sectors, offering a wide range of products including catastrophe reinsurance, specialty reinsurance, and insurance coverages for various risks. With a focus on innovative risk management and an extensive understanding of the insurance market, RenaissanceRe serves clients worldwide, leveraging its expertise to deliver tailored solutions that address complex risk profiles.

How the Company Makes Money

RenaissanceRe generates revenue primarily through its reinsurance and insurance underwriting activities. The company earns premiums from clients for the coverage it provides, which are then invested to yield investment income. Key revenue streams include property catastrophe reinsurance, where RenaissanceRe provides coverage against large-scale natural disasters, and specialty insurance products that cater to niche markets. The company's investment portfolio, consisting of fixed income securities, equities, and other financial instruments, also contributes significantly to its earnings. Additionally, RenaissanceRe engages in strategic partnerships with other insurance entities and capital markets, enhancing its capacity to underwrite risks and tap into new market opportunities, which further bolsters its revenue generation capabilities.

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: Positive
• Last Price: 245.43
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 245.43 is above the 20-day moving average (MA) of 242.78, above the 50-day MA of 241.63, and below the 200-day MA of 245.96, indicating a neutral trend. The MACD of 1.36 indicates Negative momentum. The RSI at 53.15 is Neutral, neither overbought nor oversold. The STOCH value of 63.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RNR.

Renaissancere Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNR	84 Outperform	$11.55B	6.32	18.75%	0.65%	23.19%	-22.42%
HG	82 Outperform	$2.33B	6.22	15.86%	―	28.86%	-11.22%
RGA	73 Outperform	$12.63B	16.84	7.07%	1.88%	1.53%	-10.27%
EG	72 Outperform	$14.32B	17.92	5.52%	2.36%	10.40%	-71.67%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%
SPNT	65 Neutral	$2.15B	20.51	4.82%	―	-4.56%	-55.48%
GLRE	63 Neutral	$439.79M	11.74	5.82%	―	2.18%	-41.11%

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.