WallStSmart

Renaissancere Holdings Ltd (RNR)vsSiriuspoint Ltd (SPNT)

VS

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 Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 1.06

SPNT

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 6.5Value: 8.3Quality: 6.5
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RNRUndervalued (+19.8%)

Margin of Safety

+19.8%

Fair Value

$379.85

Current Price

$293.24

$86.61 discount

UndervaluedFair: $379.85Overvalued
SPNTUndervalued (+88.1%)

Margin of Safety

+88.1%

Fair Value

$170.35

Current Price

$21.51

$148.84 discount

UndervaluedFair: $170.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RNR5 strengths · Avg: 9.4/10
P/E RatioValuation
5.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

Profit MarginProfitability
20.8%9/10

Keeps 21 of every $100 in revenue as profit

Revenue GrowthGrowth
27.6%8/10

Revenue surging 27.6% year-over-year

SPNT6 strengths · Avg: 9.0/10
P/E RatioValuation
5.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Return on EquityProfitability
20.9%9/10

Every $100 of equity generates 21 in profit

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
19.4%8/10

19.4% revenue growth

EPS GrowthGrowth
26.5%8/10

Earnings expanding 26.5% YoY

Areas to Watch

RNR3 concerns · Avg: 2.0/10
PEG RatioValuation
3.622/10

Expensive relative to growth rate

EPS GrowthGrowth
-14.2%2/10

Earnings declined 14.2%

Altman Z-ScoreHealth
1.062/10

Distress zone — elevated risk

SPNT1 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-28.10M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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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