CluenexRenaissanceRe RNR
RenaissanceRe scores good on business quality (7.2 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What RenaissanceRe does
RenaissanceRe Holdings provides property, casualty, and specialty reinsurance and insurance worldwide. It protects primary insurers against catastrophic losses through property underwriting and specialized risk solutions.
- What it does best
RenaissanceRe excels at underwriting complex property catastrophe risk, backed by an operating margin of 42% that beats peer EG at 14%. This underwriting edge stems from decades of proprietary data and proprietary modeling models that competitors cannot easily match.
- The main risk
Catastrophic loss exposure remains the central threat, where severe natural disasters can spike claims rapidly and drain surplus capital if underwriting models miscalculate tail risks or aggregate exposures.
Quality, check by check
Scored against its own industry, from company filings.
Operating margins at 42% and net margins of 22.5% show exceptional earnings conversion, driven by disciplined underwriting that scales efficiently as premium volume rises.
Its moat relies on deep underwriting expertise and proprietary data ranking in the sector's top quartile for return on equity at 22.7%, creating a barrier rivals struggle to replicate quickly.
Revenue grew at 3.7% over the latest period, reflecting a slower pace compared to its multi-year expansion from $5.1B in 2022 toward recent annual figures above $12B.
Debt-to-equity sits at 0.2, supported by interest coverage of 38x making debt costs trivial, while operating cash flow reaches $3.6B, keeping the balance sheet solidly reinforced.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
1 sold $1.7M outside pre-planned sales.
Our sealed record on RNR
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
RenaissanceRe scores good on the Cluenex quality check (7.2 of 10), measured against its own industry. Profitability is strong, moat strong, growth steady and financial health strong.
In the last 90 days of SEC Form 4 filings: 1 sold $1.7M outside pre-planned sales.
Oct 27, 2026, after the close.
See RNR today
- Today's verdict on RNR, and why
- Fair value with cautious, base and optimistic cases
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- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “RenaissanceRe (RNR)”, https://cluenex.com/stocks/rnr/, data as of Oct 10, 2026.