A Business at a Glance
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In this Form 10-K, references to “RenaissanceRe” refer to RenaissanceRe Holdings Ltd. (the parent company) and references to “we,” “us,” “our” and the “Company” refer to RenaissanceRe Holdings Ltd. together with its subsidiaries, unless the context requires otherwise. Defined terms used throughout this Form 10-K are included in the “Glossary of Defined Terms” at the end of “Part I, Item 1. Business” of this Form 10-K. We have also included a “Glossary of Selected Insurance and Reinsurance Terms” at the end of “Part I, Item 1. Business” of this Form 10-K. All dollar amounts referred to in this Form 10-K are in U.S. dollars unless otherwise indicated. Due to rounding, numbers presented in the tables included in this Form 10-K may not add up precisely to the totals provided. RenaissanceRe is a global provider of reinsurance and insurance. We provide property, casualty and specialty reinsurance and certain insurance solutions to customers, principally through intermediaries.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 12.8B | 12.8B | 11.7B | 9.1B | 5.1B | 5.3B |
| Net Income | 2.6B | 2.6B | 1.8B | 2.5B | -1.1B | -73M |
| EPS | $56.03 | $56.03 | $35.21 | $52.27 | $-25.50 | $-1.57 |
| Free Cash Flow | 3.7B | 3.7B | 4.2B | 1.9B | 1.6B | 1.2B |
| ROIC | 27.4% | 20.1% | 15.4% | 28.2% | -15.3% | -0.9% |
| Gross Margin | 31.2% | 31.2% | 25.6% | 34.0% | -24.1% | - |
| Debt/Equity | 0.25 | 0.25 | 0.24 | 0.37 | 0.48 | 0.34 |
| Dividends/Share | $1.58 | $1.58 | $1.55 | $0.38 | $0.37 | $0.36 |
| Operating Income | 4.0B | 4.0B | 3.0B | 3.1B | -1.2B | 11M |
| Operating Margin | 31.2% | 31.2% | 25.6% | 34.0% | -24.1% | 0.2% |
| ROE | 22.8% | 23.9% | 18.3% | 34.2% | -18.4% | -1.0% |
| Shares Outstanding | 47M | 47M | 52M | 48M | 43M | 47M |
RENAISSANCERE HOLDINGS LTD passes 7 of 9 quality checks, indicating strong fundamentals.
RENAISSANCERE HOLDINGS LTD trades at 5.5x trailing earnings, compared to its 15-year median P/E of 10.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 3.9x vs a median of 4.4x. The company's 5-year average ROIC is 9.5% with a gross margin of 16.7%. Total shareholder yield (dividends + buybacks) is 11.5%. At current prices, the estimated annualized return to fair value is +9.4%.
RENAISSANCERE HOLDINGS LTD (RNR) has a current P/E ratio of 5.5, compared to its historical median P/E of 10.2. The stock is currently considered Fair based on its historical valuation range.
RENAISSANCERE HOLDINGS LTD (RNR) has a 5-year average return on invested capital (ROIC) of 9.5%. This is below average and may indicate limited pricing power.
RENAISSANCERE HOLDINGS LTD (RNR) has a market capitalization of $14.5B. It is classified as a large-cap stock.
Yes, RENAISSANCERE HOLDINGS LTD (RNR) pays a dividend with a trailing twelve-month yield of 0.51%. The company also returns capital through share buybacks, with a buyback yield of 11.00%.
Based on historical P/E analysis, RENAISSANCERE HOLDINGS LTD (RNR) appears fair. The current P/E of 5.5 is 46% below its historical median of 10.2. The estimated fair value CAGR (P/E method) is 31.6%.
RENAISSANCERE HOLDINGS LTD (RNR) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
RENAISSANCERE HOLDINGS LTD (RNR) reported annual revenue of $12.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
RENAISSANCERE HOLDINGS LTD (RNR) has a net profit margin of 20.6%. This is a strong margin indicating high profitability.
RENAISSANCERE HOLDINGS LTD (RNR) generated $3.7 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
RENAISSANCERE HOLDINGS LTD (RNR) has a debt-to-equity ratio of 0.25. This indicates a conservatively financed balance sheet.
RENAISSANCERE HOLDINGS LTD (RNR) reported earnings per share (EPS) of $56.03 in its most recent fiscal year.
RENAISSANCERE HOLDINGS LTD (RNR) has a return on equity (ROE) of 23.9%. This indicates the company generates strong returns for shareholders.
RENAISSANCERE HOLDINGS LTD (RNR) has a 5-year average gross margin of 16.7%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for RENAISSANCERE HOLDINGS LTD (RNR), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
RENAISSANCERE HOLDINGS LTD (RNR) has a book value per share of $245.73, based on its most recent annual SEC filing.