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RNR logoRenaissanceRe Holdings Ltd.(RNR)Earnings, Financials & Key Ratios

RNR•NYSE•Insurance & Managed Care
$302.04
$13.03B mkt cap·5.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryReinsuranceSub-IndustryProperty and casualty reinsurers
AboutRenaissanceRe 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.Show more
  • Revenue$12.75B+9.4%
  • Combined Ratio68.51%-7.8%
  • Net Income$2.68B+43.4%
  • Return on Equity14.59%+29.2%
  • Medical Cost Ratio59.34%-13.3%
  • Operating Margin31.49%+22.5%
  • Net Margin21.04%+31.0%
  • ROA5.13%+36.8%
  • Equity / Assets35.71%+3.2%
  • Book Value per Share428.11+25.2%
  • Tangible BV/Share379.71+15.7%
  • Debt/Equity0.12+12.8%
Analysis→Technical→

RNR Key Insights

RenaissanceRe Holdings Ltd. (RNR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 68.5% combined ratio
  • ✓Strong 5Y profit CAGR of 28.6%
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Low loss ratio of 59.3%
  • ✓Good 3Y average ROE of 15.3%
  • ✓Share count reduced 12.6% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

RNR Price & Volume

RenaissanceRe Holdings Ltd. (RNR) stock price & volume — 10-year historical chart

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RNR Growth Metrics

RenaissanceRe Holdings Ltd. (RNR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years23.91%
5 Years19.85%
3 Years36.17%
TTM-8.19%

Profit CAGR

10 Years20.06%
5 Years28.61%
3 Years-
TTM85.64%

EPS CAGR

10 Years19.82%
5 Years29.9%
3 Years-
TTM90.77%

Return on Capital

10 Years4.47%
5 Years4.7%
3 Years9.18%
Last Year10.68%

RNR Recent Earnings

RenaissanceRe Holdings Ltd. (RNR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026
EPS
$13.75
Est $11.07
+24.2%
Revenue
$2.7B
Est $2.8B
-5.8%
Q1 2026
Feb 3, 2026
EPS
$13.34
Est $10.42
+28.0%
Revenue
$1.6B
Est $2.0B
-21.3%
Q4 2025
Oct 28, 2025
EPS
$15.62
Est $9.97
+56.7%
Revenue
$3.2B
Est $2.3B
+36.6%
Q3 2025
Jul 23, 2025
EPS
$12.29
Est $10.28
+19.6%
Revenue
$3.2B
Est $2.0B
+55.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$13.75vs $11.07+24.2%
$2.7Bvs $2.8B-5.8%
Q1 2026Feb 3, 2026
$13.34vs $10.42+28.0%
$1.6Bvs $2.0B-21.3%
Q4 2025Oct 28, 2025
$15.62vs $9.97+56.7%
$3.2Bvs $2.3B+36.6%
Q3 2025Jul 23, 2025
$12.29vs $10.28+19.6%
$3.2Bvs $2.0B+55.9%
Based on last 12 quarters of dataView full earnings history →

RNR Peer Comparison

RenaissanceRe Holdings Ltd. (RNR) competitors in Property and casualty reinsurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
EVR logoEVREvercore Inc.Direct Competitor12.92B326.1723.2129.49%15.26%29.32%9.15%0.50
PRE logoPREPrenetics Global LimitedDirect Competitor255.09M16.73-4.03201.72%-67.43%-28.88%0.01
ACGL logoACGLArch Capital Group Ltd.Direct Competitor33.54B94.148.1014.27%22.07%19.02%18.27%0.11
AXS logoAXSAXIS Capital Holdings LimitedProduct Competitor7.28B98.818.009.05%16.18%16.93%0.23
GLRE logoGLREGreenlight Capital Re, Ltd.Product Competitor608.31M17.908.257.47%11.46%11.68%34.56%0.01
MMC logoMMCMarsh & McLennan Companies, Inc.Supply Chain85.27B174.0621.287.57%15.6%26.87%4.67%1.62
AON logoAONAon plcSupply Chain67.37B314.4518.489.45%22.54%44.16%4.78%1.73
WTW logoWTWWillis Towers Watson Public Limited CompanySupply Chain24.45B259.3615.95-2.24%16.84%20.77%6.32%0.86

Compare RNR vs Peers

RenaissanceRe Holdings Ltd. (RNR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EVR

Most directly comparable listed peer for RNR.

Scale Benchmark

vs CB

Larger-name benchmark to compare RNR against a more recognizable public peer.

Peer Set

Compare Top 5

vs EVR, PRE, ACGL, AXS

RNR Income Statement

RenaissanceRe Holdings Ltd. (RNR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue2.1B2.06B4.18B5.16B5.27B5.05B9.09B11.65B12.75B11.49B
Revenue Growth %21.36%-1.87%103.2%23.37%2.14%-4.11%80.05%28.13%9.45%-8.19%
Medical Costs & Claims2.21B1.55B2.86B3.82B5.09B5.91B5.45B7.98B7.57B4.17B
Medical Cost Ratio %105.38%75.52%68.42%74.15%96.69%117%59.93%68.48%59.34%36.33%
Gross Profit
-112.67M▲ 0%
503.46M▲ 546.8%
1.32B▲ 162.1%
1.33B▲ 1.0%
174.46M▼ 86.9%
-858.28M▼ 592.0%
3.64B▲ 524.4%
3.67B▲ 0.8%
5.18B▲ 41.2%
5.12B▲ 0%
Gross Margin %-5.38%24.48%31.58%25.85%3.31%-17%40.07%31.52%40.66%44.57%
Gross Profit Growth %-112.43%546.84%162.08%1.01%-86.91%-591.98%524.4%0.79%41.18%-
Operating Expenses215.51M240.84M352M336.92M288.56M360.55M532.53M678.05M1.17B1.04B
OpEx / Revenue %10.28%11.71%8.42%6.54%5.48%7.14%5.86%5.82%9.17%9.02%
Depreciation & Amortization31.24M123K-58.96M16.65M-20.99M-26.95M-134.75M258.46M2.44M-1.3M
Combined Ratio %115.66%87.23%76.85%80.68%102.17%124.14%65.79%74.3%68.51%45.35%
Operating Income
-328.18M▲ 0%
262.62M▲ 180.0%
967.48M▲ 268.4%
995.92M▲ 2.9%
-114.11M▼ 111.5%
-1.22B▼ 968.1%
3.11B▲ 355.2%
2.99B▼ 3.8%
4.01B▲ 34.1%
4.08B▲ 0%
Operating Margin %-15.66%12.77%23.15%19.32%-2.17%-24.14%34.21%25.7%31.49%35.55%
Operating Income Growth %-152.06%180.02%268.4%2.94%-111.46%-968.14%355.17%-3.76%34.11%-
EBITDA-296.94M262.74M908.52M1.01B-135.1M-1.25B2.98B3.25B4.02B4.11B
EBITDA Margin %-14.17%12.78%21.74%19.64%-2.57%-24.67%32.73%27.92%31.51%35.81%
Interest Expense44.19M47.07M58.36M50.45M47.54M48.34M73.18M93.77M120.85M125.55M
Non-Operating Income-44.19M-47.07M-58.36M-50.45M-47.54M-48.34M-73.18M-93.77M-120.85M-93.77M
Pretax Income
-328.18M▲ 0%
262.62M▲ 180.0%
967.48M▲ 268.4%
995.92M▲ 2.9%
-114.11M▼ 111.5%
-1.22B▼ 968.1%
3.11B▲ 355.2%
2.99B▼ 3.8%
4.01B▲ 34.1%
4.63B▲ 0%
Pretax Margin %-15.66%12.77%23.15%19.32%-2.17%-24.14%34.21%25.7%31.49%40.32%
Income Tax26.49M-6.3M17.21M2.86M-10.67M-59.02M-510.07M32.63M396.33M408.87M
Effective Tax Rate %-8.07%-2.4%1.78%0.29%9.35%4.84%-16.4%1.09%9.87%8.82%
Net Income
-222.39M▲ 0%
227.36M▲ 202.2%
748.8M▲ 229.3%
762.4M▲ 1.8%
-40.16M▼ 105.3%
-1.06B▼ 2542.8%
2.56B▲ 341.3%
1.87B▼ 27.0%
2.68B▲ 43.4%
3.09B▲ 0%
Net Margin %-10.61%11.06%17.92%14.79%-0.76%-21.02%28.17%16.06%21.04%26.93%
Net Income Growth %-144.22%202.24%229.34%1.82%-105.27%-2542.77%341.34%-26.97%43.41%85.64%
EPS (Diluted)
-5.58▲ 0%
5.72▲ 202.5%
16.29▲ 184.8%
15.31▼ 6.0%
-1.57▼ 110.3%
-25.50▼ 1524.2%
52.27▲ 305.0%
35.21▼ 32.6%
56.62▲ 60.8%
72.58▲ 0%
EPS Growth %-148.82%202.51%184.79%-6.02%-110.25%-1524.2%304.98%-32.64%60.81%90.77%
EPS (Basic)-5.585.7216.3215.34-1.57-25.5052.4035.3156.76-
Diluted Shares Outstanding39.85M39.76M43.17M47.18M47.17M43.04M47.61M51.34M44.87M42.63M

RNR Balance Sheet

RenaissanceRe Holdings Ltd. (RNR) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets15.23B18.68B26.33B30.82B33.96B36.55B49.01B50.71B53.8B53.72B
Asset Growth %23.27%22.66%40.98%17.05%10.18%7.64%34.07%3.47%6.1%30.43%
Total Investment Assets9.5B11.89B21.9B25.26B24.75B25.7B29.22B32.64B36.07B4M
Long-Term Investments9.49B11.86B17.33B20.26B19.45B21.03B3.73B28.11B4.85B16.36B
Short-Term Investments991.86M2.59B4.57B4.99B5.3B4.67B25.48B4.53B31.23B0
Total Current Assets3.66B7.86B11.41B13.12B15.59B587.13M41.74B1.68B45.75B1.56B
Cash & Equivalents1.36B1.11B1.38B1.74B1.86B1.19B1.88B1.68B1.73B1.56B
Receivables005.47B6.39B8.43B10.2B13.45B11.86B11.8B38.21B
Other Current Assets008.51B010.89B-441.33M0-16.39B00
Goodwill & Intangibles243.15M237.42M262.23M249.64M243.5M237.83M2.53B704.13M2.17B7.5B
Goodwill197.59M197.59M210.68M211.01M206.32M206.29M300.54M300.51M300.53M617.77M
Intangible Assets45.55M39.83M51.54M38.63M37.18M31.53M2.23B403.63M1.87B0
PP&E (Net)-73.42M11.98B62.6M47.8M50.9M83.7M0000
Other Assets1.84B-12.1B-222.65M-1.2B-167.91M-16.32B323.96M-27.41B328.09M0
Total Liabilities9.54B11.58B17.29B19.87B23.78B26.69B33.45B33.16B34.59B35.16B
Total Debt989.62M991.13M1.38B1.14B1.17B1.17B1.96B1.89B2.33B0
Net Debt-371.97M-116.8M5.04M-600.55M-690.67M-23.9M81.14M210.09M598.02M-1.56B
Long-Term Debt989.62M991.13M1.38B1.14B1.14B1.14B1.88B1.44B2.33B0
Short-Term Debt000030M30M75M449.81M00
Total Current Liabilities9.85B1.9B18.97B3.49B3.89B111.84M10.06B20.23B9.1B0
Accounts Payable989.09M1.9B2.83B3.49B3.86B3.93B3.19B2.8B2.54B0
Deferred Revenue002.33B0006.14B06.03B0
Other Current Liabilities-1.2B-2.28B13.59B-1.13B-1.17B-4.34B016.82B00
Deferred Taxes1000K1000K1000K01000K1000K0000
Other Liabilities0910.93M000153.67M21.51B449.81M23.16B35.16B
Total Equity
5.69B▲ 0%
7.1B▲ 24.8%
9.04B▲ 27.4%
10.95B▲ 21.1%
10.18B▼ 7.0%
9.86B▼ 3.1%
15.56B▲ 57.8%
17.55B▲ 12.8%
19.21B▲ 9.5%
18.56B▲ 0%
Equity Growth %-5.86%24.77%27.42%21.08%-7.03%-3.12%57.76%12.83%9.45%31.2%
Shareholders Equity4.39B5.05B5.97B7.56B6.62B5.33B9.45B10.57B11.61B11.51B
Minority Interest1.3B2.05B3.07B3.39B3.55B4.54B6.1B6.98B7.6B7.04B
Retained Earnings3.91B4.06B4.71B5.37B5.23B4.07B6.52B8.28B10.83B10.73B
Common Stock40.02M42.21M44.15M50.81M44.45M43.72M52.69M50.18M43.96M42.97M
Accumulated OCI224K-1.43M-1.94M-12.64M-10.91M-15.46M-14.21M-14.76M-12.63M-12.15M
Return on Equity (ROE)-3.79%3.56%9.28%7.63%-0.38%-10.59%20.15%11.3%14.59%16.59%
Return on Assets (ROA)-1.61%1.34%3.33%2.67%-0.12%-3.01%5.99%3.75%5.13%5.71%
Equity / Assets37.36%38%34.34%35.52%29.97%26.98%31.74%34.61%35.71%34.55%
Debt / Equity0.17x0.14x0.15x0.10x0.11x0.12x0.13x0.11x0.12x0.12x
Book Value per Share142.72178.51209.44232.07215.78229.10326.75341.88428.11435.33
Tangible BV per Share136.62172.54203.37226.78210.61223.58273.68328.16379.71420.84

RNR Cash Flow Statement

RenaissanceRe Holdings Ltd. (RNR) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations1.05B1.22B2.14B1.99B1.23B1.6B1.91B4.16B3.69B3.69B
Operating CF Growth %122.59%16.82%74.94%-6.76%-38.03%29.87%19.2%117.87%-11.33%325.24%
Operating CF / Revenue %49.9%59.41%51.14%38.66%23.45%31.76%21.03%35.76%28.97%32.14%
Net Income-354.67M268.92M950.27M993.06M-103.44M-1.16B3.62B2.96B3.62B3.09B
Depreciation & Amortization31.24M123K-58.96M16.65M-20.99M-26.95M-134.75M258.46M-14.12M-25.66M
Stock-Based Compensation37.2M35.7M043.7M40M45.2M0000
Deferred Taxes000-43.7M-40M-45.2M0000
Other Non-Cash Items-154.26M179.61M-414.87M-788.83M219.1M1.65B-490.44M-20.4M-1.2B-508.94M
Working Capital Changes1.52B773.05M1.66B1.77B1.14B1.14B-1.08B966.24M1.29B919.82M
Cash from Investing-142.43M-2.54B-2.99B-2.3B-816.3M-3.02B-3.82B-3.06B-2.22B-1.18B
Capital Expenditures0002.3B816.3M-481.3M0000
Acquisitions260.48M-13.01M-267.67M142.3M-15.49M1.48M-1.89B-15.99M0-584K
Purchase of Investments-10.11B-13.93B-20.03B-17.63B-16.55B-25.74B-25.03B-59.48B-62.04B-64.47B
Sale/Maturity of Investments9.97B11.4B17.31B15.19B15.75B22.73B23.64B56.38B59.26B63.35B
Other Investing-122.43M2.5M-4.11M-2.3B-816.3M481.3M-539.06M57.34M564.66M-56.11M
Cash from Financing28.86M1.07B1.12B665.21M-302.46M725.34M2.59B-1.29B-1.41B-3.09B
Dividends Paid-73.75M-82.93M-96.12M-99.41M-100.72M-100.07M-110.49M-116.22M-110.22M-99.45M
Share Repurchases-188.59M00-187.62M-1.3B-166.66M-20.52M-666.92M-1.6B-1.59B
Stock Issued0250M01.1B488.65M01.35B000
Debt Issuance (Net)1000K01000K-1000K1000K01000K-1000K1000K-1000K
Other Financing245.34M657.82M819.83M106.74M582.11M992.08M561.94M-429.37M-139.72M-1.32B
Net Change in Cash
940.43M▲ 0%
-253.67M▼ 127.0%
271.15M▲ 206.9%
357.75M▲ 31.9%
122.21M▼ 65.8%
-664.68M▼ 643.9%
683.18M▲ 202.8%
-200.91M▼ 129.4%
54.58M▲ 127.2%
-69.92M▲ 0%
Exchange Rate Effect8.22M-5.1M2.48M4.49M6.15M22.47M5.54M-17.36M-12.22M-28.43M
Cash at Beginning421.16M1.36B1.11B1.38B1.74B1.86B1.19B1.88B1.68B1.73B
Cash at End1.36B1.11B1.38B1.74B1.86B1.19B1.88B1.68B1.73B1.56B
Free Cash Flow
1.05B▲ 0%
1.22B▲ 16.8%
2.14B▲ 74.9%
4.3B▲ 101.1%
2.05B▼ 52.3%
1.12B▼ 45.3%
1.91B▲ 70.3%
4.16B▲ 117.9%
3.69B▼ 11.3%
4.22B▲ 0%
FCF Growth %122.59%16.82%74.94%101.08%-52.27%-45.28%70.32%117.87%-11.33%16.04%
FCF Margin %49.9%59.41%51.14%83.36%38.95%22.23%21.03%35.76%28.97%36.75%
FCF per Share26.2430.7349.591.0943.4826.0840.1581.1282.382.3

RNR Key Ratios

RenaissanceRe Holdings Ltd. (RNR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio115.66%87.23%76.85%80.68%102.17%124.14%65.79%74.3%68.51%45.35%
Medical Cost Ratio105.38%75.52%68.42%74.15%96.69%117%59.93%68.48%59.34%36.33%
Return on Equity (ROE)-3.79%3.56%9.28%7.63%-0.38%-10.59%20.15%11.3%14.59%16.59%
Return on Assets (ROA)-1.61%1.34%3.33%2.67%-0.12%-3.01%5.99%3.75%5.13%5.71%
Equity / Assets37.36%38%34.34%35.52%29.97%26.98%31.74%34.61%35.71%34.55%
Book Value / Share142.72178.51209.44232.07215.78229.1326.75341.88428.11435.33
Debt / Equity0.17x0.14x0.15x0.10x0.11x0.12x0.13x0.11x0.12x0.12x
Revenue Growth21.36%-1.87%103.2%23.37%2.14%-4.11%80.05%28.13%9.45%-8.19%

RNR SEC Filings & Documents

RenaissanceRe Holdings Ltd. (RNR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Feb 3, 2026·SEC

Material company update

Dec 22, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 11, 2026·SEC

FY 2025

Feb 12, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

FY 2025

Jul 24, 2025·SEC

RNR Frequently Asked Questions

RenaissanceRe Holdings Ltd. (RNR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

RenaissanceRe Holdings Ltd. (RNR) grew revenue by 9.4% over the past year. This is steady growth.

Yes, RenaissanceRe Holdings Ltd. (RNR) is profitable, generating $3.09B in net income for fiscal year 2025 (21.0% net margin).

Dividend & Returns

Yes, RenaissanceRe Holdings Ltd. (RNR) pays a dividend with a yield of 0.55%. This makes it attractive for income-focused investors.

RenaissanceRe Holdings Ltd. (RNR) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.

Industry Metrics

RenaissanceRe Holdings Ltd. (RNR) has a combined ratio of 68.5%. A ratio below 100% indicates underwriting profitability.

Explore More RNR

RenaissanceRe Holdings Ltd. (RNR) financial analysis — history, returns, DCA and operating performance tools

Full RNR Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

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