RENAISSANCERE HOLDINGS LTD · Property and casualty insurance

RNR

Low riskNext report: Around Feb 2, 2027 (est.)

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The short version

A profitable company with shrinking sales.

Going well

Profitable, keeps 21% of sales as profit
Sales growth speeding up
Brings in more cash than it spends

Watch out for

Sales down 14% in the latest quarter vs a year ago

Money moves

No insider buying or selling in the last 30 days

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$351.58-0.3% that day

Company value: $14.6B; Share price times all shares
Price vs profit (P/E): 5.4x; You pay about $5 for each $1 of yearly profit
Price vs sales: 1.3x; Company value is 1.3 times a year of sales
Cash vs value: 9%; Cash as a share of company value
Debt vs value: 16%; Debt as a share of company value

From RNR's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$2.8B-14% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $11.1B, down 14% from the 12 months before. Over 5 years, sales grew about 20% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of RNR. Starting points are the company's recent numbers.

Sales growth-10% a yearRecently: -14% a yearProfit margin24%Last 12 months: 23.7%P/E at the end8xToday: 5.4x. Many steady companies trade at 12x to 25xShare count change+3% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$6.6B

Profit in 5 years$1.6B

Price these guesses point to$262.06-25% vs $351.58 todayAbout -5.7% a year, before dividends

What today's price needs: with a 24% margin and a 8x P/E, sales could shrink about 4.6% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.24.2%
PassDebt under half of equityNot relying on borrowed money.0.20x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.20.9%
MissProfitable every yearSteady profits, not one good year.7 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$3.7B
MissShare count not growingNot diluting owners. Falling means buybacks.+8.0% in 3 years

Revenue: $12.8B; +9.9% vs prior year
5-year growth: +20.0%/yr; revenue, per year
Total debt: $2.3B; 0.20x equity
Free cash flow: $3.7B; 28.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.