RenaissanceRe Holdings Ltd. (RNR) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RNR SEC filings page.
RenaissanceRe Holdings Ltd. (RNR) reported $11.1B in revenue over the twelve months to Jun 30, 2026, down 14.0% from the prior twelve months. 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).
RenaissanceRe’s balance-sheet-heavy model combines an earnings rebound with cash conversion ahead of profit and broadly contained leverage.
In FY2024 and FY2025, operating cash flow exceeded net income:$4.2B versus$1.9B in FY2024 and$3.7B versus$2.7B in FY2025. That favorable conversion suggests reported profits were accompanied by cash generation, although the excess narrowed in FY2025 rather than expanding.
The earnings path is uneven rather than steadily improving: FY2022 produced a net loss of
From FY2022 through FY2025, equity expanded from
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 RenaissanceRe Holdings Ltd.'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.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. RenaissanceRe Holdings Ltd. scores 74/100 on it among other insurers.
RenaissanceRe Holdings Ltd. reported revenue of $12.8B in fiscal year 2025, against $11.7B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and RenaissanceRe Holdings Ltd. scores 75/100 among other insurers.
RenaissanceRe Holdings Ltd. funded 21.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $11.6B of equity against $53.8B of assets. Capital ranks insurers on that cushion, and RenaissanceRe Holdings Ltd. scores 39/100 among other insurers.
Not available for RenaissanceRe Holdings Ltd., and counted as zero in the overall score.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. RenaissanceRe Holdings Ltd. scores 81/100 on it among other insurers.
RenaissanceRe Holdings Ltd. reported net income of $2.7B in fiscal year 2025, against $1.9B in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and RenaissanceRe Holdings Ltd. scores 28/100 among other insurers.
RenaissanceRe Holdings Ltd. 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, RenaissanceRe Holdings Ltd. 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
RenaissanceRe Holdings Ltd. generated $2.8B in revenue in Q2 2026. This represents a decrease of 13.7% from the same quarter a year earlier. Against the prior quarter it is up 26.1%.
RenaissanceRe Holdings Ltd. reported $663.1M in net income in Q2 2026. This represents a decrease of 20.6% from the same quarter a year earlier. Against the prior quarter it is up 126.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
RenaissanceRe Holdings Ltd. held $1.3B in cash against $2.3B in long-term debt as of Q2 2026.
RenaissanceRe Holdings Ltd. paid $0.41 per share in dividends in Q2 2026. This represents an increase of 2.5% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
RenaissanceRe Holdings Ltd.'s net profit margin was 23.9% in Q2 2026, showing the share of revenue converted to profit. This is down 2.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 10.6 percentage points.
RenaissanceRe Holdings Ltd.'s ROE was 5.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 2.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
RenaissanceRe Holdings Ltd. spent $350.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 6.2% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.
Not reported for Q2 2026.
Not reported for Q2 2026.
RNR Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.8B-13.7% | $2.2B-36.8% | $3.0B+29.6% | $3.2B-19.5% | $3.2B+13.4% | $3.5B+33.5% | $2.3B-29.2% | $4.0B+116.4% |
| SG&A Expenses | $18.7M-21.4% | $19.5M-14.7% | $12.0M-65.0% | $23.4M-10.2% | $23.8M-32.4% | $22.8M-41.9% | $34.3M-53.8% | $26.1M+52.1% |
| Interest Expense | $31.8M0.0% | $31.8M+17.4% | $31.4M+35.0% | $30.6M+28.4% | $31.8M+34.7% | $27.1M+17.2% | $23.2M+0.2% | $23.8M+3.7% |
| Income Tax | $139.4M-21.2% | $33.0M+172.5% | $116.1M+281.7% | $148.9M+45.9% | $176.9M+948.4% | -$45.5M-396.2% | -$63.9M+88.5% | $102.0M+997.5% |
| Net Income | $663.1M-20.6% | $293.4M+72.6% | $760.5M+501.0% | $916.5M-22.5% | $835.4M+65.8% | $170.0M-54.5% | -$189.7M-112.0% | $1.2B+483.0% |
| EPS (Basic) | N/A | $6.60+100.6% | $16.63+556.9% | $19.47-14.2% | $17.25+82.7% | $3.29-52.7% | -$3.64-111.3% | $22.68+495.3% |
| EPS (Diluted) | N/A | $6.57+100.9% | $16.57+556.5% | $19.40-14.2% | $17.20+82.8% | $3.27-52.9% | -$3.63-111.3% | $22.62+495.3% |
| Diluted Shares (Avg) | 42M-12.1% | 43M-12.1% | N/A | 46M-10.0% | 47M-8.7% | 49M-6.4% | N/A | 51M+1.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
RNR Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $55.2B+0.9% | $53.7B+0.2% | $53.8B+6.1% | $54.5B+3.3% | $54.7B+6.1% | $53.6B+5.3% | $50.7B+3.5% | $52.8B+29.2% |
| Cash & Equivalents | $1.3B-8.9% | $1.6B-4.3% | $1.7B+3.3% | $1.7B+8.2% | $1.4B-12.2% | $1.6B+1.6% | $1.7B-10.7% | $1.6B+31.5% |
| Short-Term Investments | $3.9B-30.3% | $3.9B-23.2% | $4.8B+5.0% | $6.0B+39.9% | $5.7B+29.9% | $5.1B+8.9% | $4.5B-1.6% | $4.3B-34.0% |
| Long-Term Investments | $5.1B+13.6% | $4.7B+9.7% | $4.6B+5.8% | $4.4B+6.2% | $4.5B+17.5% | $4.2B+22.2% | $4.3B+23.0% | $4.2B+31.7% |
| Total Liabilities | $36.0B-2.3% | $35.2B-3.9% | $34.6B+4.3% | $35.5B+2.5% | $36.9B+5.2% | $36.6B+5.0% | $33.2B-0.9% | $34.7B+25.6% |
| Long-Term Debt | $2.3B+3.0% | $2.3B-15.4% | $2.3B+23.5% | $2.2B+15.1% | $2.3B+15.5% | $2.8B+46.1% | $1.9B-3.7% | $1.9B+2.8% |
| Total Equity | $11.8B+9.4% | $11.5B+11.3% | $11.6B+9.8% | $11.5B+2.3% | $10.8B+6.1% | $10.3B+5.7% | $10.6B+11.8% | $11.2B+48.2% |
| Retained Earnings | $11.0B+19.7% | $10.7B+27.5% | $10.8B+30.8% | $10.1B+19.1% | $9.2B+25.7% | $8.4B+22.6% | $8.3B+26.9% | $8.5B+71.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $852.4M-42.0% | $687.6M+335.8% | $483.0M-38.0% | $1.6B+6.2% | $1.5B+21.2% | $157.8M-76.9% | $778.9M+52.0% | $1.5B+92.9% |
| Depreciation & Amortization | -$23.2M-528.2% | -$24.4M-752.2% | -$16.6M-341.8% | -$6.7M-103.0% | $5.4M-45.6% | $3.7M-76.7% | $6.8M+150.0% | $225.6M+571.7% |
| Investing Cash Flow | -$682.3M+9.2% | $471.1M+194.3% | $84.6M+130.2% | -$1.0B+29.9% | -$751.1M+23.3% | -$499.4M-64.0% | -$280.3M+10.6% | -$1.5B-356.6% |
| Financing Cash Flow | -$424.5M+53.7% | -$1.3B-554.0% | -$522.3M-38.9% | -$261.0M-352.0% | -$917.5M-338.6% | $290.4M+145.0% | -$376.0M-177.6% | -$57.8M+70.8% |
| Dividends Paid | $16.9M-12.0% | $17.6M-9.8% | $17.6M-11.9% | $18.5M-7.3% | $19.2M-5.9% | $19.5M-4.7% | $20.0M+0.4% | $20.0M+3.9% |
| Share Buybacks | $350.5M-6.2% | $352.0M-1.6% | $660.0M+46.2% | $208.3M+95.1% | $373.6M+244.3% | $357.7M | $451.6M | $106.8M |
Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.
RNR Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.9%-2.1pp | 13.4%+8.5pp | 25.6%+33.9pp | 28.7%-1.1pp | 26.1%+8.2pp | 4.9%-9.5pp | -8.3%-57.2pp | 29.8%+18.7pp |
| Return on Equity | 5.6%-2.1pp | 2.5%+0.9pp | 6.6%+8.3pp | 8.0%-2.6pp | 7.7%+2.8pp | 1.6%-2.2pp | -1.8%-18.6pp | 10.5%+7.8pp |
| Return on Assets | 1.2%-0.3pp | 0.5%+0.2pp | 1.4%+1.8pp | 1.7%-0.6pp | 1.5%+0.5pp | 0.3%-0.4pp | -0.4%-3.6pp | 2.2%+1.7pp |
| Debt-to-Equity | 0.200.0x | 0.20-0.1x | 0.200.0x | 0.190.0x | 0.210.0x | 0.27+0.1x | 0.180.0x | 0.17-0.1x |
| Asset Turnover | 0.050.0x | 0.040.0x | 0.060.0x | 0.060.0x | 0.060.0x | 0.060.0x | 0.050.0x | 0.080.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| RenaissanceRe Holdings Ltd. RNR | FY2025 | $12.8B | $2.7B | 20.9% | $13.8B | 50/100 |
| Everest Group, Ltd. EG | FY2025 | $17.5B | $1.6B | 9.1% | $13.9B | 38/100 |
| Reinsurance Group of America, Incorporated RGA | FY2025 | $23.7B | $1.2B | 5.0% | $16.4B | 23/100 |
| Hamilton Insurance Group, Ltd. HG | FY2025 | $2.9B | $840.0M | 28.9% | $3.4B | 44/100 |
| SiriusPoint Ltd. SPNT | FY2025 | $3.2B | $460.0M | 14.3% | $2.9B | 34/100 |
| Globe Life Inc. GL | FY2025 | $6.0B | $1.2B | 19.4% | $12.6B | 43/100 |
Where RenaissanceRe Holdings Ltd. Ranks
Frequently Asked Questions
What is RenaissanceRe Holdings Ltd.'s annual revenue?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s revenue growing?
RenaissanceRe Holdings Ltd. (RNR) revenue grew by 9.9% year-over-year, from $11.7B to $12.8B in fiscal year 2025.
Is RenaissanceRe Holdings Ltd. profitable?
Yes, RenaissanceRe Holdings Ltd. (RNR) reported a net income of $2.7B in fiscal year 2025, with a net profit margin of 20.9%.
How much debt does RenaissanceRe Holdings Ltd. have?
As of fiscal year 2025, RenaissanceRe Holdings Ltd. (RNR) had $1.7B in cash and equivalents against $2.3B in long-term debt.
What is RenaissanceRe Holdings Ltd.'s net profit margin?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s return on equity (ROE)?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s operating cash flow?
RenaissanceRe Holdings Ltd. (RNR) generated $3.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are RenaissanceRe Holdings Ltd.'s total assets?
RenaissanceRe Holdings Ltd. (RNR) had $53.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What is RenaissanceRe Holdings Ltd.'s debt-to-equity ratio?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s return on assets (ROA)?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s P/E ratio?
RenaissanceRe Holdings Ltd. (RNR) trades at 5.2x earnings, its market capitalization divided by net income of $2.6B net income, trailing 12 months to June 30, 2026. The market capitalization is $13.8B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is RenaissanceRe Holdings Ltd.'s price-to-sales ratio?
RenaissanceRe Holdings Ltd. (RNR) trades at 1.2x sales, its market capitalization divided by revenue of $11.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $13.8B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is RenaissanceRe Holdings Ltd.'s Piotroski F-Score?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.'s earnings high quality?
RenaissanceRe Holdings Ltd. (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 RenaissanceRe Holdings Ltd.?
RenaissanceRe Holdings Ltd. (RNR) scores 50 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.