RenaissanceRe Holdings Ltd. (RNR) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, RNR scores 75 out of 100, a letter grade of B, with the verdict label "Roarable Buy — Good Risk/Reward." The five pillars are:

• Fundamental cash engine: 12 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 10.6% and an FCF yield of 22%. The high FCF yield is a source of upside if sustained, but the middling score signals that return on invested capital is not especially high relative to the rest of the framework.
• Whale / 13F flow: 14 / 20. The rating references institutional accumulation and options positioning. The data supplying this pillar's detail is not itemized in the source material, so the score is the only available evidence.
• Insider conviction: 17 / 20. The rating references SEC Form 4 and Congressional PTR cluster flow. This is the strongest pillar relative to its maximum, suggesting a favorable signal from insider activity, though the underlying transactions are not itemized in the source data.
• Macro regime fit: 17 / 20. Per the Roarable RQD rating, beta is 1.1 with a sector sensitivity reading. A beta slightly above 1.0 means the stock is modestly more volatile than the market; this pillar scoring well suggests the regime backdrop is favorable to the name.
• Forensic balance sheet: 15 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8 out of 9, and Debt/Equity is 0.5. Piotroski at 8/9 is a strong reading on financial quality; the Altman Z of 2.5 sits in a range that warrants monitoring rather than signaling distress.

For a prospective investor evaluating the stock today, the valuation is the central tradeoff. Per the market data, trailing P/E is 5.1 and forward P/E is 4.7, which, if the earnings base holds, implies the market is pricing the shares at a steep discount to earnings. Against this, the 52-week range runs from $251.36 to $363.84 and the current price is $338.66, placing the stock in the upper portion of its range. The rating's upside drivers are the cash generation, insider signal, and forensic quality; the principal caution is that the pillar scores do not by themselves resolve whether low multiples reflect durable value or earnings risk. Dividend yield is modest at 0.55%, so total return depends more on price appreciation than income.

RenaissanceRe Holdings Ltd. is a NYSE-listed issuer in the Financials sector, Property-Casualty Insurers industry, per the company profile. The source data does not describe its specific products, customer base, or revenue model beyond this classification. Per the profile, the company has a market capitalization of $13.7B. The supply-chain graph reports no supply chain links for the company.

Per the SEC financials, revenue grew from $9134.6M in FY 2023 to $12848.1M in FY 2025, and net income was $2682.3M in FY 2025. Per the market data, operating margin is 25.5%, net margin is 20.9%, and ROIC is 10.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8 out of 9. Reported debt rose from $2565.0M in FY 2023 to $15565.3M in FY 2025, while Debt/Equity is stated as 0.5 in the rating.

Six headlines are listed for RNR in the news feed. The items are described as market-action reports, and the feed carries a green or yellow signal marker on each:

• A Yahoo Finance report, flagged as a catalyst, discusses expected earnings beats and whether the stock can move higher.
• A Seeking Alpha report, flagged as market wire, concerns a preferred stock issue with a 7.38% yield.
• A Yahoo Finance report, flagged as market wire, discusses momentum positioning.
• A TradingView report, flagged as market wire, states that Q3 2026 sales came in below analyst estimates.
• A Simply Wall St stock analysis, flagged as market wire.
• A StockStory report, flagged as market wire, which is titled as a low-volatility screen.

Risk watch items from the feed: the TradingView report on sales below estimates is the only headline that describes a reported shortfall. The feed contains no proprietary signals, and the butterfly graph lists none.

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE," with no butterfly links and no proprietary signals. Upstream and downstream dependency mapping is therefore not available in source data. Sector classification (Financials / Property-Casualty Insurers) is the only sector context provided. Sector correlation data, competitor linkages, and second-order bottleneck analysis are not available in source data. A prospective investor should note that the absence of supply-chain mapping means cross-sector ripple effects cannot be assessed from these sources.

• What is the composition of the Q3 2026 sales shortfall referenced in the TradingView headline, and how does it relate to the FY 2025 revenue base?
• What drove the increase in reported debt from $2565.0M in FY 2023 to $15565.3M in FY 2025, and is it reflected in the Debt/Equity figure of 0.5?
• Which specific insider and institutional transactions underlie the 17/20 insider and 14/20 whale-flow pillar scores?
• Why are EPS values reported as N/A in the financial periods while EPS (TTM) is listed at 66.38?
• What explains the FY 2023 cash entry being N/A, and does that affect the comparability of the FY 2023 balance sheet?