RNR
Financial ServicesRenaissanceRe Holdings Ltd. · Insurance - Reinsurance · $13B
What is RenaissanceRe Holdings Ltd.?
RenaissanceRe Holdings Ltd. is a Bermuda-based reinsurance and insurance company with a global footprint. Founded in 1993 and headquartered in Pembroke, Bermuda, it specializes in absorbing catastrophe risk on behalf of primary insurers worldwide.
RenaissanceRe operates through two main segments: Property and Casualty & Specialty. The Property segment covers catastrophe reinsurance — protecting insurers against hurricanes, earthquakes, floods, and similar large-scale events. The Casualty and Specialty segment writes a broad range of liability, professional, financial, and specialty lines including cyber, marine, aviation, and workers' compensation. The company distributes primarily through intermediaries rather than selling direct to end consumers.
RenaissanceRe was founded in 1993 and is headquartered in Pembroke, Bermuda.
- Property catastrophe excess-of-loss reinsurance
- Retrocessional reinsurance for other reinsurers
- Directors & officers and professional liability coverage
- Specialty lines: cyber, marine, aviation, and energy
- Casualty and workers' compensation reinsurance
Is RNR a Good Stock to Buy?
UQS Score rates RNR as Good overall, reflecting a balanced profile with notable strengths and one area of caution.
RenaissanceRe's Quality and Risk pillars both register as Strong — a combination that points to disciplined underwriting, a sound balance sheet, and a business model built to weather volatile loss years. The Valuation pillar is rated Attractive, suggesting the market may not be fully pricing in the company's underlying quality.
The Growth pillar is rated Weak, which reflects the inherently cyclical and capacity-constrained nature of the reinsurance market — meaningful top-line expansion can be difficult to sustain consistently.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does RNR pay dividends?
Yes — RenaissanceRe Holdings Ltd. pays a dividend.
RenaissanceRe pays a regular dividend, which is relatively uncommon among specialty reinsurers of its size. The dividend reflects the company's confidence in its capital generation and its commitment to returning value to shareholders alongside share repurchases. Income-focused investors may find the combination of an Attractive valuation and a consistent dividend worth examining further.
When does RNR report earnings?
RenaissanceRe reports earnings on a quarterly cadence, consistent with standard practice for US-listed financial companies.
Results in the reinsurance sector can swing materially based on catastrophe activity in any given quarter. RNR's Strong Risk pillar suggests the company manages this volatility with disciplined reserving and diversified exposure across property and specialty lines.
For the most recent quarter's results and upcoming reporting dates, visit RenaissanceRe's investor relations page directly.
RNR Price History
+110.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in RenaissanceRe Holdings Ltd.?
Based on RenaissanceRe Holdings Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
RNR Long-term Outlook
The fundamental outlook for RenaissanceRe is shaped by its Strong Quality and Risk ratings alongside a Weak Growth profile. The reinsurance market tends to harden after large loss events, which can create pricing tailwinds — but sustained premium growth remains challenging in a competitive global market. The Attractive Valuation rating suggests the stock may offer a reasonable entry point relative to its quality characteristics, though the muted growth trajectory warrants patience from long-term holders.
Growth drivers
- Hardening reinsurance pricing following elevated catastrophe loss years
- Expansion of Casualty and Specialty lines into emerging risk categories like cyber
- Capital deployment opportunities as weaker competitors exit the market
Key risks
- Elevated catastrophe activity compressing underwriting margins in any single year
- Competitive softening of reinsurance rates reducing premium income
- Reserving uncertainty in long-tail casualty and specialty lines
RNR vs Peers
RenaissanceRe competes in the global reinsurance market alongside several large, diversified players.
RGA focuses primarily on life and health reinsurance, giving it a very different risk profile compared to RNR's property-catastrophe-heavy book.
Everest Re is a diversified reinsurer with a significant primary insurance operation, whereas RNR concentrates more narrowly on catastrophe and specialty reinsurance.
This entity shares the RGA parent but may represent a distinct listed vehicle — investors should verify the specific structure before drawing direct comparisons to RNR.
Frequently Asked Questions
What does RenaissanceRe do?
RenaissanceRe is a global reinsurance company that helps primary insurers manage catastrophic risk. It operates through two segments: Property, which covers natural and man-made catastrophes, and Casualty & Specialty, which includes professional liability, cyber, marine, and other specialty lines. The company distributes through intermediaries rather than selling directly to consumers.
Does RNR pay dividends?
Yes, RenaissanceRe pays a regular dividend. This is notable for a specialty reinsurer and reflects the company's capital generation capacity. Investors seeking income alongside potential capital appreciation may find this dividend policy relevant to their analysis.
When does RNR report earnings?
RenaissanceRe reports on a quarterly cadence, as is standard for US-listed companies. Exact dates vary each quarter. For confirmed upcoming reporting dates, check RenaissanceRe's official investor relations page.
Is RNR a good stock to buy?
UQS Score rates RNR as Good overall. The company shows Strong Quality and Risk ratings alongside an Attractive Valuation, which is a meaningful combination. However, the Weak Growth pillar signals limited near-term expansion potential. Whether it fits your portfolio depends on your goals — the full pillar breakdown is available to Pro members.
Is RNR overvalued?
The UQS Valuation pillar for RNR is rated Attractive, suggesting the stock may be reasonably priced or even modestly undervalued relative to its quality characteristics. This does not guarantee price appreciation, but it does indicate the market may not be fully reflecting the company's underlying strengths.
How does RNR compare to its competitors?
RenaissanceRe is more narrowly focused on property catastrophe and specialty reinsurance than some peers like Everest Re, which also operates a primary insurance business. Compared to life-focused reinsurers like RGA, RNR carries more exposure to short-tail catastrophe events. Its Strong Risk rating suggests disciplined management of that exposure.
What is RNR's market cap bracket?
RenaissanceRe is classified as a large-cap company. This places it among the more substantial players in the global reinsurance sector, with the capital base and market presence that typically comes with that scale.
Who founded RenaissanceRe?
RenaissanceRe was founded in 1993 and is headquartered in Pembroke, Bermuda. Detailed founding history, including key individuals involved, is widely available through the company's official corporate history and public filings.
Is RNR a long-term quality stock?
As a long-term quality indicator, RNR's Strong Quality and Risk pillars are encouraging — they suggest the business is managed with discipline and financial resilience. The Weak Growth pillar is a consideration for investors expecting rapid compounding. Long-term holders may value the dividend and Attractive Valuation as stabilizing factors.
What is the main competitive advantage of RenaissanceRe?
RenaissanceRe has built deep expertise in catastrophe risk modeling and underwriting, which allows it to price complex risks more precisely than generalist competitors. This analytical edge, combined with a Bermuda-based structure and strong relationships with global intermediaries, underpins its position in the market.
What sector does RNR belong to?
RNR operates in the Financial Services sector, specifically within the reinsurance industry. Reinsurance companies insure other insurers, acting as a backstop for large or catastrophic loss events — a niche that requires significant capital and specialized underwriting expertise.
Is RNR a growth stock or value stock?
Based on UQS pillar ratings, RNR leans toward the value end of the spectrum. The Valuation pillar is Attractive and the Growth pillar is Weak, suggesting this is less a high-growth story and more a quality-at-a-reasonable-price proposition for investors comfortable with the reinsurance cycle.
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Pro Analysis
RNR — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 11, 2026 | 73.0 | 99.5 | 44.0 | 35.9 | 100.0 | 100.0 | +2.1 |
| Apr 14, 2026 | 70.9 | 90.7 | 44.0 | 35.9 | 100.0 | 100.0 | -1.5 |
| Apr 13, 2026 | 72.4 | 90.7 | 50.0 | 35.9 | 100.0 | 100.0 | +1.5 |
| Apr 2, 2026 | 70.9 | 90.7 | 44.0 | 35.9 | 100.0 | 100.0 | — |
RNR — Pillar Breakdown
Quality
— 99.5/100 (25%)RenaissanceRe Holdings Ltd. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 35.9/100 (20%)RenaissanceRe Holdings Ltd. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 100.0/100 (15%)RenaissanceRe Holdings Ltd. carries minimal financial risk with conservative leverage and strong solvency.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)RenaissanceRe Holdings Ltd. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 44/100 (25%)RenaissanceRe Holdings Ltd. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for RNR.
Score Composition
Financial Data
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How is the RNR UQS Score Calculated?
The UQS (Unified Quality Score) for RenaissanceRe Holdings Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses RenaissanceRe Holdings Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether RenaissanceRe Holdings Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.