Renaissancere Holdings (RNR) AI Stock Analysis

• Market Cap: $11.71B
• Dividend Yield: 0.66%
• Average Volume (3M): 407.29K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.15
• Revenue Growth: 32.10%
• EPS Growth: -30.52%
• Country: US
• Employees: 945
• Sector: Financial
• Sector Strength: 80
• Industry: Insurance - Reinsurance
• EPS (TTM): -1.49
• Shares Outstanding: 48,650,085
• 10 Day Avg. Volume: 389,968
• 30 Day Avg. Volume: 407,292
• PEG Ratio: >-0.01
• Price to Book (P/B): 1.49
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.06
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: 0.17
• Enterprise Value/Gross Profit: 0.64
• Enterprise Value/Ebitda: 0.63
• 1Y Price Target: $283.22
• Price Target Upside: 17.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 11

• Rating: 73 Outperform
• Price Target: $263.00 ▲(9.47%Upside)

Renaissancere Holdings' strong financial performance and valuation metrics are offset by bearish technical indicators and challenges highlighted in the earnings call. The company's robust financial health and strategic capital management are significant strengths, while technical analysis and recent large loss events present risks.

Positive Factors

Earnings Forecast

The price objective is raised to $440, highlighting RenRe as a top U.S. insurance idea with a strong EPS forecast.

Market Position

Ren is encouraged by trading conditions for the mid-year renewals as the market is more in favor of reinsurers, with supply and demand more in balance.

Stock Valuation

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

Negative Factors

Market Headwinds

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

Return on Equity

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 global provider of reinsurance and insurance solutions, primarily operating in the property, casualty, and specialty markets. Established in 1993 and headquartered in Bermuda, the company specializes in catastrophe reinsurance, providing risk management solutions to insurance companies worldwide. RenaissanceRe is recognized for its expertise in underwriting complex risks, leveraging advanced modeling techniques and a disciplined risk management approach.

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, a high equity ratio, and effective cash conversion. The balance sheet is particularly strong with no current debt, enhancing financial flexibility. Despite a slight decline in net income, the company maintains its overall financial 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.31B	11.65B	9.09B	5.05B	5.27B	5.16B
Gross Profit	12.31B	11.65B	9.09B	5.05B	5.27B	5.16B
EBITDA	2.41B	3.01B	3.28B	-1.25B	-126.27M	1.09B
Net Income	1.67B	1.87B	2.53B	-1.16B	-103.44M	762.40M
Balance Sheet
Total Assets	53.63B	50.71B	49.01B	36.55B	33.96B	30.82B
Cash, Cash Equivalents and Short-Term Investments	6.69B	1.68B	6.48B	5.86B	7.16B	6.73B
Total Debt	0.00	1.89B	1.96B	1.17B	1.17B	1.14B
Total Liabilities	36.59B	33.16B	33.45B	26.69B	23.78B	19.87B
Stockholders Equity	10.35B	10.57B	9.45B	5.33B	6.62B	7.56B
Cash Flow
Free Cash Flow	3.64B	4.16B	1.91B	1.12B	2.05B	4.30B
Operating Cash Flow	3.64B	4.16B	1.91B	1.60B	1.23B	1.99B
Investing Cash Flow	-3.40B	-3.06B	-3.82B	-3.02B	-816.30M	-2.30B
Financing Cash Flow	-206.31M	-1.29B	2.59B	725.34M	-302.46M	665.21M

Renaissancere Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 240.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 240.25 is below the 20-day moving average (MA) of 242.65, below the 50-day MA of 243.78, and below the 200-day MA of 250.75, indicating a bearish trend. The MACD of -1.11 indicates Positive momentum. The RSI at 46.69 is Neutral, neither overbought nor oversold. The STOCH value of 49.89 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
HG	79 Outperform	$2.18B	6.62	14.07%	―	35.36%	-3.34%
RGA	76 Outperform	$13.07B	16.71	7.60%	1.80%	1.47%	-7.47%
RNR	73 Outperform	$11.71B	7.66	16.30%	0.66%	32.10%	-30.52%
EG	71 Outperform	$14.52B	17.22	6.12%	2.34%	12.81%	-70.56%
SPNT	71 Outperform	$2.25B	19.18	7.20%	―	-5.57%	-44.54%
Sector *	67 Neutral	$16.81B	11.85	9.77%	3.76%	12.07%	-8.35%
GLRE	65 Neutral	$474.79M	10.52	7.04%	―	5.21%	-57.04%

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.