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Earnings transcript
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RNR
RenaissanceRe Holdings Ltd.
$300.37
4.71
(1.59%)
| Exchange: | NYSE |
| Market Cap: | 13.063B |
| Shares Outstanding: | 78.478M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Reinsurance | |||||
| CEO: | Kevin Joseph O’Donnell | |||||
| Full Time Employees: | 945 | |||||
| Address: |
| |||||
| Website: | https://www.renre.com |
RenaissanceRe 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 9,091,134 | 11,648,061 | 12,748,778 |
| Gross Profit | 3,642,591 | 3,671,213 | 5,183,176 |
| EBITDA | 3,048,488 | 3,345,384 | 4,137,364 |
| Operating Income | 3,110,060 | 2,993,160 | 4,014,075 |
| Net Income | 2,561,132 | 1,870,360 | 2,682,334 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 49,007,105 | 50,707,550 | 48,906,696 |
| Total Liabilities | 33,451,316 | 33,155,789 | 29,695,947 |
| Total Stockholders Equity | 9,454,958 | 10,574,012 | 11,608,657 |
| Total Debt | 1,958,655 | 1,886,689 | 2,329,201 |
| Cash and Cash Equivalents | 1,877,518 | 1,676,604 | 1,731,181 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,911,634 | 4,164,822 | 3,693,107 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 1,911,634 | 4,164,822 | 3,693,107 |
| Net Income | 3,620,127 | 2,960,532 | 3,617,743 |
| Net Change in Cash | 683,179 | -200,914 | 54,577 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 10,363,026.946 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,996,511.769 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 10,628,015.536 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,436,881.826 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,524,717.440 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,473,623.725 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,986,612.913 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,145,705.736 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,066,159.325 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 624,265.969 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 662,426.925 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 640,228.811 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 45.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 47.820 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 44.270 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: RenaissanceRe reported strong financial results in the Q2 2025 earnings call, with key metrics such as revenue, net income, and operating income reflecting solid growth. This performance underscores the company’s ability to generate consistent profitability, as highlighted in the income statement data.
- Healthy Cash Flow Generation: The cash flow statements indicate strong net cash provided by operating activities and positive free cash flow trends. This financial stability supports reinvestment and debt management, positioning RNR favorably within its sector.
- Strategic Execution: Insights from the Q2 2025 earnings call summary emphasize effective strategic initiatives, with management successfully navigating market dynamics. This adaptability enhances investor confidence in RNR’s operational resilience.
- Favorable Valuation Metrics: Current price-to-earnings (P/E) ratio TTM and forward P/E estimates suggest RNR is reasonably valued compared to the industry average P/E ratio TTM, indicating potential for sustained investor interest.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates RNR intrinsic value between $557.88 – $1,199.17 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about RNR valuation
Is RenaissanceRe Holdings Ltd. (RNR) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for RenaissanceRe Holdings Ltd. (RNR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is RNR a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether RNR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is RNR’s P/E ratio?
You can see RNR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for RNR?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is RNR a good long-term investment?
Whether RNR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
RNR
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Daily snapshot
1.59
Trading Metrics:
| Open: | 296.5 | Previous Close: | 295.66 | |
| Day Low: | 295.4 | Day High: | 301.5 | |
| Year Low: | 219 | Year High: | 315.88 | |
| Price Avg 50: | 294.62 | Price Avg 200: | 264.12 | |
| Volume: | 139194 | Average Volume: | 359495 |
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Login — it's freeRNR full analysis
Welcome to MARKETSNAP’s SWOT analysis for RenaissanceRe Holdings, or RNR as it’s known on the ticker. If you’re not familiar with this player, let me give you the quick rundown. RenaissanceRe is a global provider of reinsurance and insurance, operating in the property and casualty space, and they’ve carved out a solid niche in the industry. Based out of Bermuda, they’re a key name in the financials sector, specifically within the insurance and reinsurance market, with a workforce of dedicated…
