NEW YORK STOCK EXCHANGE, INC. · Insurance · CIK 0000913144
$362.59
+2.12% · delayed ~15 min
Last price from Oct 22, 2026
$15.94B market value
From RENAISSANCERE HOLDINGS LTD's FY2025 10-K, filed Feb 11, 2026 · read the filing
RENAISSANCERE sells insurance. It took in $12.85B last year, which makes it a large company. Of every dollar it sells, about 21 cents is left as profit.
The financial picture is led by profitability, with growth and debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Recent open-market selling by Qutub Robert, not under a pre-arranged plan.
$1.7M sold in the last 120 days · Read the filing
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
Generally healthy, with a few things to watch.
From RENAISSANCERE HOLDINGS LTD's FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Profit
$1.87B → $2.68B
Earnings per share
$37.27 → $61.02
Shares in issue
50.2M → 44.0M
Profit margin
16.0% → 20.9%
Measured against FY2024, from the 10-K filed Feb 11, 2026
Improved: +43.4%
$1.87B to $2.68BCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
How the latest move compares (quote delayed ~15 min), and what was published around it
RNR rose 2.12% on the latest quote. The average Financials company tracked here moved +1.11%, and the S&P 500 −1.04%. That is 1.0 points above its sector and 3.2 points above the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 24 analysts covering this company, as of . Their views, not this site's.
Of 24 analysts publishing on this company, 3 say strong buy, 5 say buy, 15 say hold and 1 say sell. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 21 cents of every dollar of sales as profit, earning $2.68B last year.
Slowly. Sales grew 9.9% last year.
For every $1 it owes, it owns $1.56 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It pays out 3 cents of every dollar of profit and keeps the rest, which leaves the payment comfortably covered. It paid out 2% of the cash its operations generated. It has paid in each of the last 12 years.
GoodNext payment expected around , projected from how regularly it has paid before rather than from a date the company has announced.
Figures from the FY2025 annual filing
Last year it earned $2.68B and generated $3.69B of cash from operations.
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 11, 2026Filing for FY2025 | FY202410-K · Feb 12, 2025Filing for FY2024 | FY202310-K · Feb 21, 2024Filing for FY2023 | FY202210-K · Feb 8, 2023Filing for FY2022 | FY202110-K · Feb 4, 2022Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $12.85B | $11.70B | $9.13B | $5.06B | $5.28B | +9.9% |
| Selling, general and administrative | $82.0M | $134.8M | $127.6M | $46.8M | $41.2M | −39.2% |
| Interest expense | $120.9M | $93.8M | $73.2M | $48.3M | $47.5M | +28.9% |
| Income before tax | $4.01B | $2.99B | $3.11B | -$1.22B | -$114.1M | +34.1% |
| Net income | $2.68B | $1.87B | $2.56B | -$1.06B | -$40.2M | +43.4% |
| Net marginNet income ÷ revenueWhat is this? | 20.9% | 16.0% | 28.0% | -21.0% | -0.8% | +4.9 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $61.02 | $37.27 | $48.60 | $-24.27 | $-0.9035 | +63.7% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| RNRRENAISSANCERE HOLDINGS LTD · this page | 7.3/10 | 6/7 | 9.9% | 20.9% | 5.94x | 2.98x |
| EG |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Sold on the open market — 4,623 shares at $335.00 ($1.5M)
Holds 160,991 shares after this filing.
Sold on the open market
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Quarterly report for Q2 FY2026
Revenue -13.7% · Profit margin −2.1 pts · Shares in issue -11.7% — against Q2 FY2025
Read the filingPublished results
Read the filingWrite down why you are following RENAISSANCERE HOLDINGS LTD, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 36 subsidiaries named in its 10-K, incorporated across 7 places. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from RNR's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 11, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 7.3 | 6/7 | 10-K, filed Feb 11, 2026 |
| FY2024 | 8.7 | 6/7 | 10-K, filed Feb 12, 2025 |
| FY2023 | 8.7 | 4/7 | 10-K, filed Feb 21, 2024 |
| FY2022 | 3.3 | 4/7 | 10-K, filed Feb 8, 2023 |
| FY2021 | 4.7 | 4/7 | 10-K, filed Feb 4, 2022 |
| FY2020 | 8.7 | 6/7 | 10-K, filed Feb 5, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
6 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Improved: +63.7%
$37.27 to $61.02Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: -12.4%
50.2M to 44.0MCritical
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Improved: +4.9 pts
16.0% to 20.9%Significant
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: +23.5%
$1.89B to $2.33BSignificant
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Improved: +9.9%
$11.70B to $12.85BNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Changed: -7.4%
$80.8M to $74.8MNotable
Why it matters: Cash handed to shareholders. A rise can be a higher dividend or simply more shares, and a cut is a decision the company explains in its own filing — neither is rated here.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Jul 23, 2026 — read it.
Improved: -11.7%
47.4M to 41.8MCritical
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Deteriorated: -20.6%
$835.4M to $663.1MSignificant
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: -13.7%
$3.21B to $2.77BNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: −2.1 pts
26.1% to 23.9%Notable
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: -10.1%
$17.63 to $15.86Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -8.9%
$1.43B to $1.30BNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Jul 23, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +126.0%
$293.4M to $663.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +10.6 pts
13.4% to 23.9%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: +132.3%
$6.83 to $15.86Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +26.1%
$2.19B to $2.77BSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: -16.7%
$1.56B to $1.30BSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: -2.7%
43.0M to 41.8MNotable
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
1 other measure barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 2.9% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 5.9x — investors pay $5.9 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported annual figures
| 6.0/10 |
| 5/6 |
| 1.2% |
| 9.1% |
| 19.06x |
| 3.04x |
| Median of peers | 6.0/10 | — | 1.2% | 9.1% | 19.06x | 3.04x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Holds 155,991 shares after this filing.
Sold on the open market — 377 shares at $335.00 ($126.3K)
Holds 165,614 shares after this filing.
Sold on the open market — 5,000 shares at $330.00 ($1.6M)
Holds 165,991 shares after this filing.
Sold on the open market — 5,000 shares at $325.00 ($1.6M)
Holds 170,991 shares after this filing.
Sold on the open market — 1,582 shares at $332.16 ($525.5K)
Holds 76,325 shares after this filing.
Sold on the open market — 2,640 shares at $333.23 ($879.7K)
Holds 73,685 shares after this filing.
Sold on the open market — 778 shares at $334.10 ($259.9K)
Holds 72,907 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 9,623 shares ($3.2M) on or after .
Shares originally obtained via Stock Bonus.
Filed notice to sell 377 shares ($126.3K) on or after .
Shares originally obtained via Stock Bonus.
Filed notice to sell 5,000 shares ($1.6M) on or after .
Shares originally obtained via Stock Bonus.
Filed notice to sell 5,000 shares ($1.6M) on or after .
Shares originally obtained via Stock Bonus.
Filed notice to sell 5,000 shares ($1.7M) on or after .
Shares originally obtained via Vesting of performance stock unit award.
Estimated from how often this has happened before, not a confirmed date.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Had a director or senior officer leave or join · Made a Regulation FD disclosure
Had a director or senior officer leave or join · Held a shareholder vote
Read the filingQuarterly report for Q1 FY2026
Revenue -36.8% · Profit margin +8.5 pts · Profit +72.6% — against Q1 FY2025
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2025
Revenue +9.9% · Profit margin +4.9 pts · Profit +43.4% — against FY2024
Read the filingPublished results
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingQuarterly report for Q3 FY2025
Revenue -19.5% · Profit margin −1.1 pts · Shares in issue -10.5% — against Q3 FY2024
Read the filingPublished results
Read the filingQuarterly report for Q2 FY2025
Revenue +13.4% · Profit margin +8.2 pts · Profit +65.8% — against Q2 FY2024
Read the filingPublished results
Read the filingMade a Regulation FD disclosure
Read the filingHeld a shareholder vote
Read the filingQuarterly report for Q1 FY2025
Revenue +33.5% · Profit margin −9.5 pts · Profit -54.5% — against Q1 FY2024
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingReported another event
Read the filingSource: Exhibit 21 of the 10-K filed 2026-02-11. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
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