WallStSmart

Kestrel Group, Ltd. (KG)vsRenaissancere Holdings Ltd (RNR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Renaissancere Holdings Ltd generates 26599% more annual revenue ($11.59B vs $43.40M). KG leads profitability with a 91.4% profit margin vs 24.2%. KG trades at a lower P/E of 2.2x. RNR earns a higher WallStSmart Score of 73/100 (B).

KG

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 6.0Value: 6.7Quality: 4.5
Piotroski: 3/9

RNR

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 8.5
Piotroski: 6/9Altman Z: 1.92

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KG5 strengths · Avg: 10.0/10
P/E RatioValuation
2.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Return on EquityProfitability
32.7%10/10

Every $100 of equity generates 33 in profit

Profit MarginProfitability
91.4%10/10

Keeps 91 of every $100 in revenue as profit

Revenue GrowthGrowth
1112.0%10/10

Revenue surging 1112.0% year-over-year

RNR6 strengths · Avg: 9.5/10
P/E RatioValuation
5.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.9%10/10

Earnings expanding 100.9% YoY

Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
24.2%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

Areas to Watch

KG4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$93.34M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.463/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

RNR3 concerns · Avg: 2.7/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

PEG RatioValuation
3.622/10

Expensive relative to growth rate

Revenue GrowthGrowth
-36.6%2/10

Revenue declined 36.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : KG

The strongest argument for KG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 91.4% and operating margin at -44.9%. Revenue growth of 1112.0% demonstrates continued momentum.

Bull Case : RNR

The strongest argument for RNR centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.2% and operating margin at 26.8%.

Bear Case : KG

The primary concerns for KG are EPS Growth, Market Cap, Debt/Equity.

Bear Case : RNR

The primary concerns for RNR are Altman Z-Score, PEG Ratio, Revenue Growth.

Key Dynamics to Monitor

KG profiles as a growth stock while RNR is a declining play — different risk/reward profiles.

KG is growing revenue faster at 1112.0% — sustainability is the question.

RNR generates stronger free cash flow (688M), providing more financial flexibility.

Monitor INSURANCE - REINSURANCE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RNR scores higher overall (73/100 vs 62/100), backed by strong 24.2% margins. Both earn "Strong Buy" and "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.

Kestrel Group, Ltd.

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Kestrel Group Ltd engages in providing fronting services to insurance program managers, MGAs, reinsurers, and reinsurance brokers. The company is headquartered in Hamilton, Bermuda.

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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.

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