Profitability
Weight: 25%
A-
84
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 56.7%
- Loss Ratio Trend -3.12 pp/yr
RNR
RenaissanceRe Holdings Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
B-
65
- 5yr Avg ROE 9.5%
- 5yr Share-Count CAGR -1.0%
Growth Quality
Weight: 10%
A+
96
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 20.2%
- Loss Ratio Trend (growth quality check) -3.12 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A+
94
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 11.0%
- Loss Ratio Stability (σ) 0.10
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.85x
- Interest Coverage (EBIT/Int) 34.21x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.79
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 1 added; 2 trimmed; 1 full exit.
- Holders
- 3 -1
- Avg Δ position
- -12.6%
- New buys
- 0
- Full exits
- 1
- Wood sold -100%
- Cooperman decreased -57%
- Greenblatt increased +27%