All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2022-02-04.
From the record
RenaissanceRe Holdings Ltd.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2022-02-04) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+25% a year over 10 filed years; profitable in 7 of 10.
From the record
RenaissanceRe Holdings Ltd.'s 10 filed years say what it did: revenue went from $1.7 billion in fiscal 2016 to $13 billion in fiscal 2025, up 25% a year; it rose in 7 of 9 years; the deepest fall was 4% from fiscal 2021 to fiscal 2022; net income was positive in 7 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 2.6% a year. 26% of cash flow returned. Insiders: 15 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, RenaissanceRe Holdings Ltd.'s diluted share count grew about 2.6% a year, and dividends and buybacks returned about 26% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 15 sales (9 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-03 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 23%: 23¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, RenaissanceRe Holdings Ltd. earned about 23 cents of profit for every dollar of shareholders' money. Leverage: it owed about 78 cents per dollar of assets, and net share issuance: its share count shrank 9.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 21% of 60 in its family; net margin 20.9%.
From the record
RenaissanceRe Holdings Ltd.'s standing among 60 graded names in its industry family: revenue of $13 billion in fiscal 2025 ranks in the top 24% by size; a net margin of 20.9% ranks in the top 22%; revenue growth of 36.4% a year over the last 3 filed years ranks in the top 16% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 18% of 47 in its family for leadership; chief executive since 2013.
From the record
RenaissanceRe Holdings Ltd.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Odonnell, Kevin (Pres & Chief Executive Officer, as filed), filing under that title since 2013-07-03, 13.4 years (top 10% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 9.5 years (top 23%); 4 officer or director changes were reported on Form 8-K since 2023-11-14, against the 18 people in charge now (top 20%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 49% of 60 in its family for room to expand.
From the record
RenaissanceRe Holdings Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.7 billion against debt of $2.3 billion leaves -1.1% of its assets as net cash, bottom 26% of its family; cash from operations less capital spending is 28.7% of revenue (top 24%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 27% of 56 in its family for growth drivers.
From the record
RenaissanceRe Holdings Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 36.4% a year over the last three filed years against 25% over all 10, speeding up (top 15% of its family); the newest year grew 9.9% (top 38%) (its annual reports). RenaissanceRe Holdings Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 49% of 56 in its family for expectations against reality.
From the record
RenaissanceRe Holdings Ltd.'s newest year against its own record: revenue of $13 billion in fiscal 2025 came in 27.7% below the $18 billion its prior three years' pace pointed to (bottom 8% of its family); net income of $2.7 billion against a prior three-year average of $1.1 billion (top 31%); a net margin of 20.9% against 7.7% before (top 24%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made