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RenaissanceRe HoldingsFRA:RRJ +1.29%28 Debt-to-Equity is 0.20 as of Jun. 2026, which is at its 10-year median of 0.20. GuruFocus rates FRA:RRJ with a GF Score™ of 28/100 and a GF Value™ of €235.00 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 400 Insurance companies, RenaissanceRe Holdings ranks better than 51.5% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for RenaissanceRe Holdings's Debt-to-Equity or its related term are showing as below:
FRA:RRJ'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.2 Max: 0.27
Current: 0.2
During the past 13 years, the highest Debt-to-Equity Ratio of RenaissanceRe Holdings was 0.27. The lowest was 0.15. And the median was 0.20.
FRA:RRJ's Debt-to-Equity is ranked better than 51.5% of 400
companies
in the Insurance industry
Industry Median: 0.21
vs FRA:RRJ: 0.20
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
RenaissanceRe Holdings Debt-to-Equity Related Terms
RenaissanceRe Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for RenaissanceRe Holdings's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Reinsurance subindustry, RenaissanceRe Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
RenaissanceRe Holdings Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, RenaissanceRe Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where RenaissanceRe Holdings's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RenaissanceRe Holdings (FRA:RRJ) has a Debt-to-Equity of 0.20 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on RenaissanceRe Holdings and its competitors. This is near median its historical median of 0.20. Over the past decade, RenaissanceRe Holdings' Debt-to-Equity has ranged from 0.15 to 0.27. According to the industry distribution chart, RenaissanceRe Holdings ranks #194 out of 400 companies in the Insurance industry, placing it in the top 48.5%.
Is RenaissanceRe Holdings' Debt-to-Equity too high?
RenaissanceRe Holdings' current Debt-to-Equity of 0.20 is near median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.27. The Insurance industry median Debt-to-Equity is 0.21. RenaissanceRe Holdings' value of 0.20 is 4.8% below this industry median. Based on the distribution chart, RenaissanceRe Holdings ranks #194 out of 400 companies in the Insurance industry, which is above the industry midpoint. Overall, RenaissanceRe Holdings has a GF Score™ of 28/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RenaissanceRe Holdings' Debt-to-Equity compare to EG and RGA?
According to the Insurance industry distribution chart, RenaissanceRe Holdings ranks #194 out of 400 companies for Debt-to-Equity. This puts RenaissanceRe Holdings in the upper half of its industry. The industry median Debt-to-Equity is 0.21. RenaissanceRe Holdings' value of 0.20 is 4.8% below this benchmark. Historically, RenaissanceRe Holdings' own Debt-to-Equity has ranged from 0.15 to 0.27 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.21, RenaissanceRe Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RenaissanceRe Holdings's current Debt-to-Equity of 0.20 is 4.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on RenaissanceRe Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RenaissanceRe Holdings's current Debt-to-Equity is 0.20, which is near median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RenaissanceRe Holdings stock overvalued right now?
Based on GuruFocus' analysis, RenaissanceRe Holdings (FRA:RRJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €235.00, compared to a current price of €282.40 — trading 20.2% above its estimated fair value. The current Debt-to-Equity is 0.20, which is near median its 10-year median of 0.20 and 4.8% below the Insurance industry median of 0.21. RenaissanceRe Holdings' overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For RenaissanceRe Holdings (FRA:RRJ), the current Debt-to-Equity is 0.20 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is RenaissanceRe Holdings (FRA:RRJ) Overvalued in 2026?
Based on GuruFocus' analysis, RenaissanceRe Holdings stock appears to be overvalued.
The current stock price of €282.40 is trading 20.2% above its estimated GF Value™ of €235.00.
GuruFocus considers RenaissanceRe Holdings to be Modestly Overvalued.
Key valuation signals for FRA:RRJ:
Debt-to-Equity: 0.20 (near median its 10-year median of 0.20)
GF Value™: €235.00 vs. price of €282.40 (20.2% above fair value)
Industry Position: 4.8% below the Insurance median (#194 of 400)
No single metric tells the full story. See the FRA:RRJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RenaissanceRe Holdings Ltd provides reinsurance and insurance solutions and related services. The company's core products include property, casualty and specialty reinsurance. Revenue is derived from three sources: net premiums earned from the insurance and insurance products sold; net investment income from the investment of capital funds and cash; and other income from the company's joint ventures, advisory services, and other items. The reportable segments of the company are the Property segment which includes catastrophe and other property reinsurance, and the Casualty and Specialty segment which is comprised of casualty and specialty reinsurance. It derives a majority of its revenue from the Casualty and specialty segment.
28GF Score
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