Renaissancere Holdings (RNR) AI Stock Analysis

• Market Cap: $11.46B
• Dividend Yield: 0.66%
• Average Volume (3M): 457.75K
• Price to Earnings (P/E): 6.2
• Beta (1Y): 0.15
• Revenue Growth: 23.19%
• EPS Growth: -22.42%
• Country: US
• Employees: 945
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 12.29
• Shares Outstanding: 47,066,216
• 10 Day Avg. Volume: 462,381
• 30 Day Avg. Volume: 457,748
• 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: 1.88
• Enterprise Value/Revenue: 1.68
• Enterprise Value/Gross Profit: 25.20
• Enterprise Value/Ebitda: 6.61
• 1Y Price Target: $281.25
• Price Target Upside: 16.09% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 14

• Rating: 81 Outperform
• Price Target: $284.00 ▲(17.22% Upside)

Renaissancere Holdings' strong financial performance and positive earnings call sentiment are the primary drivers of its high score. The company's robust balance sheet, strategic focus, and effective cash management underscore its stability and growth potential. Technical analysis suggests short-term caution, but valuation metrics indicate the stock may be undervalued, providing a potential opportunity for investors.

Positive Factors

Revenue Growth

The company's strong revenue growth indicates effective market penetration and product demand, supporting long-term business expansion and stability.

Balance Sheet Strength

A debt-free balance sheet enhances financial resilience, allowing strategic investments and weathering economic fluctuations without financial strain.

Underwriting Income Growth

Significant growth in underwriting income reflects strong risk management and pricing strategies, bolstering profitability and competitive positioning.

Negative Factors

Net Income Decline

A decline in net income can pressure profit margins, potentially affecting reinvestment capabilities and shareholder returns over the long term.

Increased Operating Expenses

Rising operating expenses may erode profit margins and require careful management to ensure investments translate into future revenue growth.

Bermuda Corporate Income Tax Impact

The introduction of a new tax expense could reduce net earnings, impacting cash flow and potentially limiting future investment opportunities.

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: Negative
• Last Price: 242.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 242.27 is below the 20-day moving average (MA) of 254.80, below the 50-day MA of 248.27, and below the 200-day MA of 242.55, indicating a bearish trend. The MACD of -1.64 indicates Positive momentum. The RSI at 37.66 is Neutral, neither overbought nor oversold. The STOCH value of 10.14 is Positive, 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
HG	―	$2.46B	6.56	15.86%	―	28.86%	-11.22%
RNR	―	$11.46B	6.21	18.75%	0.66%	23.19%	-22.42%
EG	―	$14.64B	18.18	5.52%	2.33%	10.40%	-71.67%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RGA	―	$12.52B	16.48	7.07%	1.90%	1.53%	-10.27%
SPNT	―	$2.14B	20.61	4.82%	―	-4.56%	-55.48%
GLRE	―	$417.56M	11.16	5.82%	―	2.18%	-41.11%

Renaissancere Holdings Corporate Events

RenaissanceRe Reports Strong Q2 2025 Financial Results

RenaissanceRe Holdings Ltd., a global provider of reinsurance and insurance solutions, specializes in property, casualty, and specialty reinsurance, operating primarily through intermediaries.

RenaissanceRe Q2 2025 Earnings Call Highlights

RenaissanceRe’s recent earnings call reflected a positive sentiment, underscored by strong financial results for the second quarter of 2025. The company reported significant growth in tangible book value, robust underwriting performance, and successful midyear renewals. Despite challenges in the Casualty and Specialty segments and the impact of a new Bermuda tax, the overall performance was commendable, showcasing effective strategic execution.