RenaissanceRe Holdings Ltd. research snapshot
RNR AI stock analysis currently reads RenaissanceRe Holdings as a high-quality specialty reinsurance franchise with three profit drivers: underwriting, fee income from third-party capital, and investment income. At the July 12, 2026 data cutoff, RNR traded near $314.99 with a verified market capitalization of about $13.43 billion. FY2025 net income available to common shareholders was $2.65 billion, book value per share rose to $250.48 by March 31, 2026, and the stock still prices those results at a low single-digit earnings multiple. This page uses scenario ranges and source-backed facts. It is informational research, not investment advice.
Current price
$314.99
Market cap
$13.43 billion
AI score
74 / 100
Rating
High-quality property and specialty reinsurer, earnings cycle still matters
Trend status
Long-term uptrend above key averages, short-term pullback from 52-week high
Data cutoff (updated weekly)
July 12, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | RenaissanceRe underwrites property catastrophe, other property, and casualty and specialty reinsurance, then compounds value through underwriting profit, fee income on managed capital, and investment income. | High |
| Moat | The moat rests on catastrophe modeling skill, broker relationships, Bermuda platform scale, third-party capital vehicles, and a brand clients use for peak risk. Capital can still enter the market when pricing is attractive, so the moat is strong but not permanent. | Medium-high |
| Management | CEO Kevin J. O'Donnell has led multi-year book-value compounding, large buybacks, and capital returns while protecting underwriting discipline. The key test is whether buybacks stay rational if soft pricing returns. | Medium-high |
| Financial trend | FY2025 total revenues were $12.85 billion, net income available to common shareholders was $2.65 billion, book value per share grew 26.2%, and Q1 2026 showed a 73.0% combined ratio with book value at $250.48. | High |
| Valuation | At $314.99, about $59.32 TTM diluted EPS, and $250.48 book value per share, RNR traded near 5.3x earnings and 1.26x book value, which is inexpensive if earnings normalize near recent levels. | High |
| Technical trend | Price remained above the roughly $279 long-term average and the roughly $299 intermediate band, but RSI near 43 and a pullback from the $329.57 52-week high show short-term cooling. | Medium |
| Risk level | Key risks are major catastrophe seasons, softer reinsurance pricing, reserve development, investment mark-to-market losses, competitor capital inflows, and climate-driven loss inflation. | Medium-high |
| AI confidence | High for descriptive research and audited calculations. Lower for exact stock outcomes because reinsurance results can move sharply after one large-loss season. | High data confidence |
| Investment certainty | Medium-high certainty for franchise quality, medium certainty for multi-year total return from this price. Margin of safety depends on normalized underwriting returns, not peak GAAP EPS alone. | Medium |
RNR AI stock forecast
The RNR AI stock forecast uses scenario math around the $314.99 quote and about $59.32 TTM diluted EPS. The audited three-year framework produced a bullish area near $549, a base area near $356, and a bearish area near $164 before any change in book-value multiple or capital returns.
$520 to $560
More likely if RenaissanceRe sustains high-teens operating ROE, keeps combined ratios in the mid-80s or better, grows book value per share, continues buybacks at a discount to intrinsic value, and investors re-rate earnings toward roughly 8x.
$340 to $365
More likely if EPS is roughly flat from the current TTM base, underwriting remains profitable after normal cat loads, fee and investment income stay steady, and the market values RNR near 6x earnings.
$155 to $175
More likely if large catastrophe losses, softer premium rates, reserve strengthening, or investment losses cut EPS and compress the multiple toward about 4.5x.
RNR AI technical analysis
RNR AI technical analysis is constructive on the long-term trend and more mixed short term as of the July 12, 2026 cutoff. Public chart snapshots showed price above the roughly $279 200-day area and the roughly $299 intermediate average, with RSI(14) near 42.8 after a pullback from the $329.57 52-week high.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $314.99 | Macrotrends close on July 10, 2026, used for market-cap and valuation math at the July 12, 2026 cutoff. |
| Near support | $284 to $299 | Chartmill listed support near $284.54, while the intermediate moving-average band near $299 is the first higher support zone. |
| Near resistance | $322 to $330 | Recent closes and the $329.57 52-week high form the overhead supply band that bulls need to reclaim for momentum continuation. |
| 50 to 60 day trend band | About $299 | Third-party snapshots placed the intermediate average near $298.75 to $299, and price was still above that band after the pullback. |
| 200-day moving average | About $279 | Price remained above the long-term average near $279.35, keeping the multi-month trend constructive unless this level breaks. |
| Momentum | RSI(14) about 42.8 | RSI was neutral to mildly weak after the high, so momentum cooled without yet showing a full long-term breakdown. |
| Volume | About 360,000 average daily shares | Yahoo and market snapshots showed average volume near 340,000 to 360,000 shares, enough for liquid large-cap monitoring but thinner than mega-cap financials. |
| Volatility | 52-week range $231.17 to $329.57 | The wide range shows that catastrophe news, earnings, and reinsurance-cycle headlines can move RNR hard even when daily beta looks low. |
| Invalidation | Close below $299, then $279 | A close below the intermediate band would weaken the short-term setup. A break below the 200-day area would be a deeper trend warning. |
RNR AI trading strategy
The RNR AI trading strategy is a rules-based research framework for a specialty reinsurer with strong book-value growth, active buybacks, and catastrophe-cycle risk. It is not personal advice and should be paired with live quotes, filings, position sizing, and risk controls.
Watch for RNR to hold above the roughly $299 intermediate band and reclaim the $322 to $330 resistance zone with volume confirmation after earnings or renewals news.
A close below $299 or a failed breakout after a large-loss update should invalidate the short-term setup.
If RNR pulls back toward $284 to $279 without a new reserve shock, pricing collapse, or major catastrophe headline, compare the move with book value per share near $250 and ongoing repurchase capacity.
Do not average down without a defined loss limit because reinsurers can reprice quickly after cat or reserve updates.
Track gross and net premiums written, combined ratio, catastrophe loss load, fee income, net investment income, book value per share, share count, and reinsurance renewals pricing.
Reduce confidence if earnings growth comes mainly from mark-to-market investment gains or unusually light cat seasons instead of sustainable underwriting and fee economics.
Investment research summary
RenaissanceRe sells risk-transfer capacity to insurers and other risk bearers that need property and specialty reinsurance, then earns value through underwriting profit, fee income on third-party capital vehicles, and investment income on a large fixed-income portfolio.
The moat is strongest in catastrophe analytics, broker trust, Bermuda operating scale, capital-partner structures, and the ability to allocate capacity when pricing is attractive. It can narrow if alternative capital and competitors compress rates.
The thesis fails if RenaissanceRe underprices peak risks, suffers serial large-loss seasons, overpays for growth, confuses investment gains with underwriting skill, or returns capital too aggressively into a soft market.
Management has grown book value, returned about $1.6 billion via 2025 buybacks, and kept focus on three profit drivers. The next test is whether that capital discipline holds when premium volume softens, as Q1 2026 gross premiums already declined year over year.
Property and specialty reinsurance benefits from rising insured values, climate volatility, and demand for peak-risk capacity, but industry profit is cyclical because capital and insurance-linked securities chase hard-market returns.
RNR looks inexpensive on trailing GAAP earnings and only modestly above book value, but those earnings include cycle and investment noise. Margin of safety depends on normalized combined ratios, fee durability, and the price paid for book-value growth.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| RNR price | $314.99 close on July 10, 2026 | Macrotrends stock price history | July 12, 2026 |
| Market capitalization | $13.43 billion, verified as $314.99 x 42.63 million shares | financial_rigor.py market cap verification | July 12, 2026 |
| Shares outstanding | 42.63 million common shares at April 24, 2026 | RenaissanceRe Q1 2026 Form 10-Q cover page | July 12, 2026 |
| FY2025 total revenues | $12.848 billion | RenaissanceRe FY2025 earnings release and Macrotrends cross-check | July 12, 2026 |
| FY2025 gross premiums written | $11.738 billion | RenaissanceRe FY2025 earnings release | July 12, 2026 |
| FY2025 net income to common | $2.647 billion, or $56.03 diluted EPS | RenaissanceRe FY2025 earnings release and Macrotrends cross-check | July 12, 2026 |
| FY2025 operating income to common | $1.860 billion, or $39.10 diluted operating EPS | RenaissanceRe FY2025 earnings release | July 12, 2026 |
| FY2025 combined ratio | 87.2% reported, 85.4% adjusted | RenaissanceRe FY2025 earnings release | July 12, 2026 |
| Q1 2026 combined ratio and book value | 73.0% combined ratio; book value per share $250.48 | RenaissanceRe Q1 2026 earnings release | July 12, 2026 |
| Cash and debt | Cash $1.731 billion and debt $2.329 billion at Dec. 31, 2025; cash $1.563 billion and debt $2.330 billion at Mar. 31, 2026 | RenaissanceRe FY2025 and Q1 2026 earnings releases | July 12, 2026 |
| Valuation check | 5.31x P/E, 1.26x P/B, 0.52% dividend yield | financial_rigor.py valuation verification | July 12, 2026 |
| Technical snapshot | RSI(14) about 42.8; intermediate MA near $299; 200-day near $279; 52-week high $329.57 | Investing.com and third-party technical snapshots | July 12, 2026 |
This RNR AI stock analysis page is an informational research tool only. It is not investment advice, a rating, or a recommendation to buy or sell any security. Forecast scenarios are based on available data and explicit assumptions, and they can be wrong if underwriting, reserves, catastrophe losses, reinsurance pricing, investment markets, or market multiples change.
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