# RenaissanceRe Holdings Ltd. (RNR) — Stock CV

RenaissanceRe Holdings Ltd. is a $13.8B financial services company. Revenue shrank 14.0% over the last year, and it keeps 24¢ of every dollar of sales as profit. It trades at 5.2× earnings — around the middle of its own history.

> RenaissanceRe Holdings Ltd provides reinsurance and insurance solutions and related services. The company's core products include property, casualty and specialty reinsurance.

## Identity

- **Ticker**: RNR
- **Sector**: Financial Services
- **Industry**: Fire, Marine & Casualty Insurance
- **Headquarters**: PEMBROKE, D0
- **Employees**: 1 040
- **Website**: https://www.renre.com
- **Market cap**: $13.8B
- **Last price**: $331.38
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $11.1B
- **Net income**: $2.63B
- **Free cash flow**: $3.61B
- **Net cash**: $4.19B
- **P/E**: 5.2
- **Revenue growth (YoY)**: -14.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 87 |
| Growth | 45 |
| Profitability | 95 |
| Health | 53 |
| Quality | 40 |
| Moat | 13 |

## Qualifications (beginner checklist) — 8 of 11 passed

- [ ] Revenue growing — -14.0% YoY
- [x] Profitable — $2.63B TTM
- [x] Profit growing — +29.0% YoY
- [x] Generates cash — $3.61B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $13.8B market cap
- [ ] Not printing shares — +92.3% shares over ~5y
- [x] Proven track record — 7/10 profitable years
- [ ] Financially stable — Altman Z 0.5 — distress
- [x] Pays a dividend — yield 0.77%
- [x] Valuation not extreme — P/E 5.2

## Experience (career milestones)

- **FY2025** — Best year on record: $2.68B net income
- **FY2024** — Revenue crossed $10B: $11.7B for the year
- **2018** — Media and finance entrepreneur Scott Rudmann acquired a majority stake in the label and began working in…
- **2017** — They released a new digital remix of Age of Love's song "The Age of Love" by Solomun that went to…
- **FY2016** — First recorded profitable year: $503M net income
- **FY2016** — Revenue already above $1B: $1.73B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **1999** — Volume Two (2×CD) Release Date: 1999 ;Focus On * RENFOC1 Neil Quigley – Focus On: Renaissance (1×CD) Release Date: 7…
- **1994** — Renaissance Music (formerly called Renaissance Recordings) is a British record label and live events promotion…

## Strengths

- Strongly profitable — 23.7% net margin
- Strong cash conversion — FCF is 32.4% of revenue
- Net cash position after subtracting debt from cash
- Interest covered 11.2× by operating earnings
- High returns on invested capital (ROIC 36.2%)

## Watch-outs

- Revenue shrinking 14.0% year over year
- Altman Z-Score 0.47 — elevated financial-distress risk
- Loss-making in 3 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $5.28B | -$40.2M | $1.23B |
| FY2022 | $5.06B | -$1.06B | $1.60B |
| FY2023 | $9.13B | $2.56B | $1.91B |
| FY2024 | $11.7B | $1.87B | $4.16B |
| FY2025 | $12.8B | $2.68B | $3.69B |

---

Source: https://stockcv.com/RNR — derived from company filings; may be delayed or incomplete. Information, not investment advice.