Renaissancere Holdings Ltd (RNR)vsSiriuspoint Ltd (SPNT)
RNR
Renaissancere Holdings Ltd
$293.24
-0.32%
FINANCIAL SERVICES · Cap: $12.75B
SPNT
Siriuspoint Ltd
$21.51
+1.65%
FINANCIAL SERVICES · Cap: $2.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Renaissancere Holdings Ltd generates 331% more annual revenue ($12.86B vs $2.98B). RNR leads profitability with a 20.8% profit margin vs 15.4%. RNR trades at a lower P/E of 5.3x. RNR earns a higher WallStSmart Score of 74/100 (B).
RNR
Strong Buy74
out of 100
Grade: B
SPNT
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+19.8%
Fair Value
$379.85
Current Price
$293.24
$86.61 discount
Margin of Safety
+88.1%
Fair Value
$170.35
Current Price
$21.51
$148.84 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.7%
Keeps 21 of every $100 in revenue as profit
Revenue surging 27.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
19.4% revenue growth
Earnings expanding 26.5% YoY
Areas to Watch
Expensive relative to growth rate
Earnings declined 14.2%
Distress zone — elevated risk
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : RNR
The strongest argument for RNR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.8% and operating margin at 43.7%. Revenue growth of 27.6% demonstrates continued momentum.
Bull Case : SPNT
The strongest argument for SPNT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 15.4% and operating margin at 12.7%. Revenue growth of 19.4% demonstrates continued momentum.
Bear Case : RNR
The primary concerns for RNR are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : SPNT
The primary concerns for SPNT are Free Cash Flow.
Key Dynamics to Monitor
SPNT carries more volatility with a beta of 0.67 — expect wider price swings.
RNR is growing revenue faster at 27.6% — sustainability is the question.
RNR generates stronger free cash flow (483M), providing more financial flexibility.
Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RNR scores higher overall (74/100 vs 72/100), backed by strong 20.8% margins and 27.6% revenue growth. SPNT offers better value entry with a 88.1% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Renaissancere Holdings Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.
Siriuspoint Ltd
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
SiriusPoint Ltd. offers specialized P&C reinsurance products to insurance and reinsurance companies around the world. The company is headquartered in Pembroke, Bermuda.
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