Data-driven stock valuation

Renaissancere Holdings Ltd (RNR) fair value: what the stock is really worth

We calculate from audited financials what Renaissancere Holdings Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

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Financial Services · US · Market cap $14.5B · ISIN BMG7496G1033

At a glance

Renaissancere Holdings Ltd RNR · US

Price$323.10

Fair Value$563.91

Upside+74.5%

Quality71/100

A solid business, trading 43% below our fair value of $563.91.

As of Sep 7, 2026, the fair value of Renaissancere Holdings Ltd is $563.91 per share against a price of $323.10, so the fair value sits 75% above the price. A model estimate from reported figures, not an analyst target.

✓Healthy Growth (revenue 5y +19.9 %/yr)

✓Highly profitable · 24.2% net margin

✓Low debt · generates free cash flow

·0.50% dividend yield

✓Ranks above peers (10/15)

✓Wide moat 79/100

!Weak on dividend: 10 out of 100

Evidence: High Range $422.93 to $704.89

Fair value as of: Sep 7, 2026

From 4 valuation models · updated 3 days ago

Share price +0.4% over the past month.

This is the short version. In the app for Renaissancere Holdings Ltd:

26 models, one by oneBear $422.93 to bull $704.89 5-year chart + forecastprice, fair value, trend, scenarios Quality 71/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

The rarer combination: high quality (71/100) AND below fair value. That earns a closer look rather than a quick verdict.
The price is below even our cautious bear case ($422.93). The market is more pessimistic than our downside scenario.
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 7, 2026.

How to read this chart

60‑month range $120.87 – $337.97 · fair‑value band $422.93 – $704.89 · the $323.10 price screens below the $563.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 7, 2026.

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Analysis

Renaissancere Holdings Ltd (RNR) currently trades at $323.10, while our model-based Fair Value estimate is $563.91, implying the stock looks roughly 42.7% undervalued today. The Quality Score stands at 71/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $566.40 per share, and 3 of the 4 models we run sit above the $323.10 price. Bear case: the Asset-Based group reads lowest at $182.44, and 1 of the 4 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Renaissancere Holdings Ltd generated revenue of $11.6B at a net margin of 24.2%. Revenue declined 36.6% year over year. It earns a return on equity of 23.4%. Net debt stands at $598M. Fundamentals as of Sep 7, 2026

Scenario range: $422.93 (bear) to $704.89 (bull), the price of $323.10 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 40% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 52% fair-value upside, at 75%, RNR screens cheaper than that median.

Fair Value models

Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($40.00 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence

Highest evidence

Residual Income $422.29 $566.40 $2,930 64

P/E Multiple $613.44 $817.92 $1,022 63

P/B Multiple $285.91 $381.21 $476.51 55

All 4 models by family

Multiples

P/E Multiple $613.44 $817.92 $1,022 63

P/B Multiple $285.91 $381.21 $476.51 55

Asset-Based

NCAV (Graham) $136.15 $182.44 $272.29 54

Economic Profit

Residual Income $422.29 $566.40 $2,930 64

Widest divergence: Economic Profit ($566.40) versus Asset-Based ($182.44). Highest evidence: Residual Income (64).

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Key figures & financial health

P/E ratio 5.4

P/S ratio 1.15 P/E × margin

EPS (TTM) $59.34 price ÷ EPS = P/E 5.4

Dividend yield 0.5% payout 2.7%

Net margin 21.0% FY2025

Return on equity 23.4% TTM

More key figures

Profitability

Return on assets (EBIT) 3.2% avg 5y

Operating margin 26.8% TTM

Growth

Revenue (TTM) $11.6B TTM

Revenue growth (YoY) −36.6% 3y avg +36.2%

EPS growth (YoY) +101%

Balance sheet & cash flow

Free cash flow $3.7B FY2025

Net debt $598M FY2025 · ≈ 0.2 yrs of FCF

Figures from reported company fundamentals · as of Sep 7, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 71/100

Of which business quality 68 · Market factors (momentum, volatility) 76

Profitability 47

Margins and returns on capital today

Quality Growth 70

Are margins and returns improving?

Cashflow 89

Earnings quality: real cash, not paper profit

Fin. Strength 55

Balance sheet, leverage, solvency risk

Investment 68

Disciplined investing over empire-building

Low Volatility 90

Calm price path (market factor)

Momentum 63

Price trend over the last 3–12 months (market factor)

52W Momentum 83

Distance to the 52-week high (market factor)

Net Issuance 85

Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Full company description

RenaissanceRe Holdings Ltd., together with its subsidiaries, 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 contracts to insure insurance and reinsurance companies against natural and man-made catastrophes, including hurricanes, earthquakes, typhoons, and tsunamis, as well as 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, transactional liability, 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, construction, cyber, energy, marine, satellite, and terrorism. The company distributes products and services primarily through intermediaries. It invests in and manages funds. RenaissanceRe Holdings Ltd. was incorporated in 1993 and is headquartered in Pembroke, Bermuda.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Renaissancere Holdings Ltd reported revenue of $12.7B in FY2025 versus $5.3B in FY2021, a compound +24.7%/yr. Reported net income was $2.7B in FY2025.

Growth Quality 100/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Latest Revenue (FY 2025)

$12.7B

Latest YoY

+9.4%

Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.

+36.2%

Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.

+19.9%

Avg. revenue growth/yr (30Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.

+18.9%

Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years, adjusted) plus dividend yield: value created per share and year.

+32.1%

Earnings growth per share plus dividend yield: the value created per share and year.

Earnings growth per share+31.6%

Dividend yield0.5%

Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 29.0% vs 10Y 17.3%, picking up

Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19.3% (2020) → 31.5% (2025) · rising

Worst earnings drop247% (2022) (loss year, drop beyond 100%) · in USD

Revenue +24.7%/yr

FY21 $5.3B

FY22 $5.0B

FY23 $9.1B

FY24 $11.6B

FY25 $12.7B

Net income

FY21 −$40.2M

FY22 −$1.1B

FY23 $2.6B

FY24 $1.9B

FY25 $2.7B

Character of growth · EPS growth decomposed (2014-2025) +17.3 % p.a.

Revenue per share +23.2 %

of which total revenue +25.1 % · buybacks/dilution −1.5 %

EBIT margin −3.3 %

Tax rate −0.2 %

Residual (interest, one-offs) −1.3 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Renaissancere Holdings Ltd · Fair Value
$563.91 +43%Fair Value
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<a href="https://www.fairvalue-calculator.com/stock/RNR" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Renaissancere Holdings Ltd · Fair Value</span><br><b style="font-size:20px">$563.91</b> <span style="color:#7BB290;font-weight:700;font-size:14px">+43%</span></span><span style="font-size:11px;color:#7BB290;font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Renaissancere Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/RNR

Peer Group

Insurance - Reinsurance · 28 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation

Quality Score 72 · Top 25%

Fair Value upside +71% · Above median

Profitability

Return on equity (TTM) 23% · Top 25%

Return on assets 6% · Top 25%

Net margin (TTM) 24% · Top 25%

Operating margin (TTM) 27% · Top 25%

Growth and dividend

Revenue growth −37% · Bottom 25%

Dividend yield (TTM) 0.5% · Bottom 25%

Balance sheet

Debt / equity 0.20× · Below median

Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper

P/E (TTM) 5.4× · Cheapest 25%

P/B 1.16× · Cheaper than median

P/S (TTM) 1.16× · Cheaper than median

P/FCF 3.6× · Cheaper than median

EV/EBITDA 3.4× · Cheapest 25%

PEG 3.62× · Priciest 25%

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Renaissancere Holdings Ltd deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 yearsless than minus 40 % per year

Achieved revenue growth, 5 years+19.9 % p.a.

Sector median revenue growth+8.1 %

FCF yield on price25.47 %

Discount rate (WACC) in the models8.1 %

The price sits beyond what a cash-flow model can represent: the valuation rests on more than today's free cash flow. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

This stock

Sector peers

VALUE100 · sector 68

FUTURE0 · sector 0

PAST93 · sector 57

HEALTH90 · sector 89

DIVIDEND10 · sector 97

Insider activity: 45/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Sep 7, 2026).

Stock	Price	Fair Value	vs Fair Value
MUV2 MUV2	€527.60	€460.14	−13%
Swiss Re AG SREN	CHF 142.85	CHF 137.52	−4%
Hannover Rück SE HNR1	€247.40	€216.20	−13%
Reinsurance Group RGA	$253.27	$261.04	+3%
Everest Group EG	$370.06	$507.47	+37%
SCOR SE SDRC	€34.14	€66.75	+96%
General Insurance Corporation GICRE	₹358.45	₹594.47	+66%
China Reinsurance (Group) Corporation 1508	HK$1.34	HK$2.67	+100%
Hamilton Insurance Group HG	$35.60	$54.04	+52%
SiriusPoint Ltd SPNT	$24.48	$37.12	+52%

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Frequently asked questions

Is Renaissancere Holdings Ltd (RNR) overvalued or undervalued?

As of Sep 7, 2026, our model estimates a fair value of $563.91 versus a price of $323.10, about +75% upside (undervalued).

What is the fair value of RNR?

Our model-based fair value for Renaissancere Holdings Ltd is $563.91 (as of Sep 7, 2026), built from audited fundamentals. The current price: $323.10.

What is the quality score of RNR?

Renaissancere Holdings Ltd has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Renaissancere Holdings Ltd (RNR)?

Our model-based price target is the fair value of $563.91 (as of Sep 7, 2026) from 4 valuation models. Cautious scenario $422.93, optimistic scenario $704.89. It is a calculation from audited fundamentals, not an analyst target.

What is the Renaissancere Holdings Ltd stock forecast for 2026?

Our models put fair value at $563.91, about +75% upside versus a price of $323.10 (undervalued). Cautious scenario $422.93, optimistic scenario $704.89. The calculation is refreshed regularly with new filings.

What is the revenue of Renaissancere Holdings Ltd (RNR)?

Renaissancere Holdings Ltd reported trailing-twelve-month revenue of about $11.6B (latest available figure, as of Sep 7, 2026).

What is the net profit margin of RNR?

The net profit margin of Renaissancere Holdings Ltd is about 24.2%, meaning it keeps roughly 24.2% of revenue as net income. Based on the latest reported figures.

Does Renaissancere Holdings Ltd pay a dividend?

Renaissancere Holdings Ltd currently shows a dividend yield of about 0.50% relative to its recent price (as of Sep 7, 2026).

What growth is priced into Renaissancere Holdings Ltd (RNR)?

For today's price to be fair in a discounted-cash-flow model, Renaissancere Holdings Ltd would have to grow free cash flow by less than minus 40 % per year for ten years (discount rate 8.1 %, then 2 % perpetual growth). Over the last 5 years revenue grew +19.9 % per year. As of Sep 7, 2026.

What discount rate (WACC) does the fair value of RNR use?

Our models discount Renaissancere Holdings Ltd at 8.1 %: a base by market capitalisation (large), damped by beta 0.17, country premium for USA. The same rate applies in all 26 models.

What is the intrinsic value of Renaissancere Holdings Ltd (RNR)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Renaissancere Holdings Ltd it is $563.91 per share (as of Sep 7, 2026), against a price of $323.10. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).

Is Renaissancere Holdings Ltd stock overvalued or undervalued in 2026?

As of Sep 7, 2026, RNR trades below its calculated fair value: price $323.10, fair value $563.91, a gap of about +75% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of RNR?

No. The price is what the market pays today ($323.10); the fair value is what the company's own numbers justify ($563.91). For Renaissancere Holdings Ltd the two are $240.81 per share apart. That gap is exactly why we show both numbers side by side.

How much is Renaissancere Holdings Ltd worth?

The market values Renaissancere Holdings Ltd at about $14.5B (market capitalisation, as of Sep 7, 2026). Per share that is $323.10; our models calculate a fair value of $563.91 per share.

What do the bullish and bearish scenarios say about RNR?

Our models span a range for Renaissancere Holdings Ltd: cautious scenario $422.93, base $563.91, optimistic $704.89 per share (as of Sep 7, 2026, price $323.10). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of RNR?

Renaissancere Holdings Ltd trades at a price-to-earnings ratio of 5.4 (as of Sep 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $563.91 is built from several models across several years. Other multiples: PEG 3.6, P/B 1.2, P/S 1.2, EV/EBITDA 3.4.

What is the PEG ratio of RNR?

The PEG ratio of Renaissancere Holdings Ltd is 3.62 (P/E divided by earnings growth, as of Sep 7, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Renaissancere Holdings Ltd (RNR)?

Balance-sheet figures for Renaissancere Holdings Ltd (as of Sep 7, 2026): return on equity 23.4%, debt of 0.20 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.

How far is RNR from its 52-week high?

Renaissancere Holdings Ltd trades at $323.10, about 2% below its 52-week high of $318.20 and 40% above the low of $230.36 (as of Sep 7, 2026). Distance from the high says nothing about value: that is what the fair value of $563.91 is for.

Which stocks are comparable to Renaissancere Holdings Ltd?

From the same area (Financial Services) we also value MUV2, Swiss Re AG, Hannover Rück SE, Reinsurance Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Renaissancere Holdings Ltd stock attractive at the current price?

The data as of Sep 7, 2026: price $323.10, calculated fair value $563.91 (+75%), Quality Score 71/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of RNR calculated?

We run Renaissancere Holdings Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $563.91, with the spread shown as a cautious and an optimistic scenario.

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