Renaissance Financials
Renaissance (RNR) reported $12.8B in revenue for fiscal year 2025, up 9.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Persistent operating cash flow let this liability-funded financial model rebuild capital after losses and still retire shares aggressively.
The key disconnect is that cash generation stayed positive through the loss cycle: even when net income was-$1.06B , operating cash flow was$1.60B . Over the next cycle, that cash-to-capital conversion helped lift equity from$5.33B to$11.61B , showing that yearly earnings volatility did not prevent the balance sheet from compounding.
Liquidity posture is different from a cash-rich industrial company: year-end cash was only
Capital return leaned heavily toward repurchases: buybacks were
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Renaissance's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Renaissance, and counted as zero in the overall score.
Renaissance passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Renaissance generates $1.38 in operating cash flow ($3.7B OCF vs $2.7B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Renaissance generated $12.8B in revenue in fiscal year 2025. This represents an increase of 9.9% from the prior year.
Renaissance reported $2.7B in net income in fiscal year 2025. This represents an increase of 43.4% from the prior year.
Renaissance earned $56.03 per diluted share (EPS) in fiscal year 2025. This represents an increase of 59.1% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Renaissance held $1.7B in cash against $2.3B in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Renaissance's net profit margin was 20.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.9 percentage points from the prior year.
Renaissance's ROE was 23.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.4 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Renaissance spent $1.6B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 139.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
RNR Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $11.1B | $12.8B+9.9% | $11.7B+28.0% | $9.1B+80.5% | $5.1B-4.1% | $5.3B+2.0% | $5.2B+23.1% | $4.2B+102.5% | $2.1B-1.4% | $2.1B+21.8% | $1.7B+14.0% | $1.5B+20.2% | $1.3B-8.7% | $1.4B-3.1% | $1.4B+30.1% | $1.1B |
| SG&A Expenses | $73.6M | $82.0M-39.2% | $134.8M+5.6% | $127.6M+172.9% | $46.8M+13.7% | $41.2M-57.6% | $97.0M+3.0% | $94.1M+177.0% | $34.0M+83.0% | $18.6M-50.3% | $37.4M-51.1% | $76.5M+236.3% | $22.7M-32.3% | $33.6M+104.3% | $16.5M-9.9% | $18.3M |
| Interest Expense | $125.5M | $120.9M+28.9% | $93.8M+28.1% | $73.2M+51.4% | $48.3M+1.7% | $47.5M-5.8% | $50.5M-13.6% | $58.4M+24.0% | $47.1M+6.5% | $44.2M+4.9% | $42.1M+16.2% | $36.3M+108.4% | $17.4M-2.9% | $17.9M-22.4% | $23.1M-1.2% | $23.4M |
| Income Tax | $437.4M | $396.3M+1114.7% | $32.6M+106.4% | -$510.1M-764.2% | -$59.0M-453.2% | -$10.7M-472.7% | $2.9M-83.4% | $17.2M+373.2% | -$6.3M-123.8% | $26.5M+7690.3% | $340K+100.7% | -$45.9M-7643.8% | $608K-64.1% | $1.7M+19.7% | $1.4M+548.6% | -$315K |
| Net Income | $2.6B | $2.7B+43.4% | $1.9B-27.0% | $2.6B+341.3% | -$1.1B-2542.8% | -$40.2M-105.3% | $762.4M+1.8% | $748.8M+229.3% | $227.4M+202.2% | -$222.4M-144.2% | $503.0M+16.6% | $431.2M-19.1% | $532.7M-22.9% | $690.6M+14.9% | $600.9M+1149.9% | -$57.2M |
| EPS (Diluted) | — | $56.03+59.1% | $35.21-32.6% | $52.27+305.0% | -$25.50 | -$1.57 | $15.31-6.0% | $16.29+231.8% | $4.91+179.8% | -$6.15-153.8% | $11.43+23.2% | $9.28-26.3% | $12.60-15.3% | $14.87+32.4% | $11.23 | -$1.84 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RNR Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $53.8B+6.1% | $50.7B+3.5% | $49.0B+34.1% | $36.6B+7.6% | $34.0B+10.2% | $30.8B+17.1% | $26.3B+41.0% | $18.7B+22.7% | $15.2B+23.3% | $12.4B+6.9% | $11.6B+40.9% | $8.2B+0.3% | $8.2B+3.2% | $7.9B+2.4% | $7.7B |
| Cash & Equivalents | $1.7B+3.3% | $1.7B-10.7% | $1.9B+57.2% | $1.2B-35.8% | $1.9B+7.0% | $1.7B+25.9% | $1.4B+24.5% | $1.1B-18.6% | $1.4B+223.3% | $421.2M-16.9% | $506.9M-3.6% | $525.6M+28.8% | $408.0M+34.2% | $304.1M+67.3% | $181.8M |
| Total Liabilities | $34.6B+4.3% | $33.2B-0.9% | $33.5B+25.3% | $26.7B+12.2% | $23.8B+19.7% | $19.9B+15.0% | $17.3B+49.3% | $11.6B+21.4% | $9.5B+51.2% | $6.3B+9.2% | $5.8B+80.2% | $3.2B+1.0% | $3.2B-8.1% | $3.5B-0.7% | $3.5B |
| Long-Term Debt | $2.3B+23.5% | $1.9B-3.7% | $2.0B+67.3% | $1.2B+0.2% | $1.2B+2.8% | $1.1B-17.9% | $1.4B+39.6% | $991.1M+0.2% | $989.6M+4.3% | $948.7M-1.2% | $960.5M+284.9% | $249.5M | N/A | N/A | N/A |
| Total Equity | $11.6B+9.8% | $10.6B+11.8% | $9.5B+77.5% | $5.3B-19.6% | $6.6B-12.4% | $7.6B+26.6% | $6.0B+18.4% | $5.0B+14.9% | $4.4B-9.8% | $4.9B+2.8% | $4.7B+22.4% | $3.9B-1.0% | $3.9B+11.5% | $3.5B-2.8% | $3.6B |
| Retained Earnings | $10.8B+30.8% | $8.3B+26.9% | $6.5B+60.2% | $4.1B-22.2% | $5.2B-2.6% | $5.4B+14.1% | $4.7B+16.1% | $4.1B+3.7% | $3.9B-7.0% | $4.2B+11.4% | $3.8B+10.4% | $3.4B-0.9% | $3.5B+13.6% | $3.0B+1.7% | $3.0B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
RNR Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.6B | $3.7B-11.3% | $4.2B+117.9% | $1.9B+19.2% | $1.6B+29.9% | $1.2B-38.0% | $2.0B-6.8% | $2.1B+74.9% | $1.2B+19.1% | $1.0B+111.6% | $484.8M+14.1% | $425.0M-35.7% | $660.7M-17.0% | $795.7M+11.0% | $716.9M+332.1% | $165.9M |
| Investing Cash Flow | -$1.2B | -$2.2B+27.6% | -$3.1B+19.9% | -$3.8B-26.7% | -$3.0B-269.5% | -$816.3M+64.6% | -$2.3B+22.9% | -$3.0B-17.8% | -$2.5B-1971.8% | -$122.4M+25.6% | -$164.5M+51.5% | -$339.0M-339.3% | $141.7M+144.9% | -$315.5M-340.2% | -$71.7M-122.8% | $315.0M |
| Financing Cash Flow | -$2.5B | -$1.4B-9.6% | -$1.3B-149.7% | $2.6B+256.9% | $725.3M+339.8% | -$302.5M-145.5% | $665.2M-40.6% | $1.1B+5.0% | $1.1B+3594.9% | $28.9M+107.2% | -$401.3M-327.3% | -$93.9M+86.5% | -$694.7M-74.1% | -$399.0M+25.9% | -$538.6M+0.7% | -$542.2M |
| Dividends Paid | $70.6M | $74.8M-7.4% | $80.8M+7.6% | $75.1M+16.1% | $64.7M-4.6% | $67.8M-1.0% | $68.5M+15.4% | $59.4M+12.4% | $52.8M+2.9% | $51.4M-0.4% | $51.6M-4.4% | $54.0M+17.5% | $45.9M-6.8% | $49.3M-7.7% | $53.4M-0.2% | $53.5M |
| Share Buybacks | $1.6B | $1.6B+139.9% | $666.9M | $0-100.0% | $166.7M-83.8% | $1.0B+1540.8% | $62.6M | $0 | $0-100.0% | $188.6M-39.1% | $309.4M+19.1% | $259.9M-49.5% | $514.7M+148.1% | $207.4M-55.2% | $463.3M+141.8% | $191.6M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RNR Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.9%+4.9pp | 16.0%-12.0pp | 28.0%+49.0pp | -21.0%-20.2pp | -0.8%-15.5pp | 14.7%-3.1pp | 17.8%+6.9pp | 11.0%+21.5pp | -10.6%-39.7pp | 29.1%+0.7pp | 28.5%-13.8pp | 42.3%-7.7pp | 50.0%+7.8pp | 42.2%+47.4pp | -5.2% |
| Return on Equity | 23.1%+5.4pp | 17.7%-9.4pp | 27.1%+47.0pp | -19.9%-19.3pp | -0.6%-10.7pp | 10.1%-2.5pp | 12.5%+8.0pp | 4.5%+9.6pp | -5.1%-15.4pp | 10.3%+1.2pp | 9.1%-4.7pp | 13.8%-3.9pp | 17.7%+0.5pp | 17.2%+18.7pp | -1.6% |
| Return on Assets | 5.0%+1.3pp | 3.7%-1.5pp | 5.2%+8.1pp | -2.9%-2.8pp | -0.1%-2.6pp | 2.5%-0.4pp | 2.8%+1.6pp | 1.2%+2.7pp | -1.5%-5.5pp | 4.1%+0.3pp | 3.7%-2.8pp | 6.5%-2.0pp | 8.4%+0.9pp | 7.6%+8.3pp | -0.7% |
| Debt-to-Equity | 0.200.0x | 0.180.0x | 0.210.0x | 0.220.0x | 0.180.0x | 0.15-0.1x | 0.230.0x | 0.200.0x | 0.230.0x | 0.190.0x | 0.20+0.1x | 0.06-0.7x | 0.81-0.2x | 0.990.0x | 0.96 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
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Where Renaissance Ranks
Frequently Asked Questions
What is Renaissance's annual revenue?
Renaissance (RNR) reported $12.8B in total revenue for fiscal year 2025. This represents a 9.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Renaissance's revenue growing?
Renaissance (RNR) revenue grew by 9.9% year-over-year, from $11.7B to $12.8B in fiscal year 2025.
Is Renaissance profitable?
Yes, Renaissance (RNR) reported a net income of $2.7B in fiscal year 2025, with a net profit margin of 20.9%.
How much debt does Renaissance have?
As of fiscal year 2025, Renaissance (RNR) had $1.7B in cash and equivalents against $2.3B in long-term debt.
What is Renaissance's net profit margin?
Renaissance (RNR) had a net profit margin of 20.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Renaissance's return on equity (ROE)?
Renaissance (RNR) has a return on equity of 23.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Renaissance's operating cash flow?
Renaissance (RNR) generated $3.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Renaissance's total assets?
Renaissance (RNR) had $53.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Renaissance's debt-to-equity ratio?
Renaissance (RNR) had a debt-to-equity ratio of 0.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Renaissance's return on assets (ROA)?
Renaissance (RNR) had a return on assets of 5.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Renaissance's Piotroski F-Score?
Renaissance (RNR) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Renaissance's earnings high quality?
Renaissance (RNR) has an earnings quality ratio of 1.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Renaissance?
Renaissance (RNR) scores 49 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.