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Renessans (RENI) USD

At a glance: strengths & risks
✓Revenue growing (+21%)✓Strong ROE (20%)✓Book value growing (+11%)✓Cheaper than own history (P/E 3.5 vs avg 5.1)

Sector: Financial Services

RU_RENI

Price chart

69.72 RUBDay -4.13%

Key metrics

Market

Price
69.72 RUB · -4.13%
Market cap
545 mln USD

Growth

Δ revenue y/y
3.5%
Δ EBITDA y/y
89.2%

Multiples

P/E (LTM)
3.5x
3y avg: 5.1x
P/B (FY)
0.7x
3y avg: 1.1x
P/E (ann.)
4.2x

Returns

Dividend yield
12.2%
ROE (annualized)
20.4%
ROI (ROE ÷ P/B)
29.6%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+22.9%
↓ details

Liquidity

Daily turnover (MOEX)
82.9 mln RUB

Shares: connector/market_inputs

Amounts: USD (converted) · As reported
Converted modes use NBK / ECB-linked rates: balance sheet date for BS items, period average for P&L and cash flow (see filing row evidence). As reported keeps each row in its filing currency.

Financial results

Monetary columns are in M USD, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusGWPM USDNet profitM USDAssetsM USDEquityM USDROE (annualized)Source
2025-12-31Q4 2025 (3M)OK748.9
y/y 3.5%
60.3
y/y -35.2%
4532.8
y/y 11.5%
789.6
y/y 11.4%
20.4%Report (PDF)
2025-09-30Q3 2025 (3M)OK833.1
y/y 28.3%
29.5
y/y 48.9%
4347.7
y/y —
723.7
y/y —
16.9%Report (PDF)
2025-06-30Q2 2025 (3M)OK720.9
y/y 25.6%
29.5
y/y 18.4%
4140.1
y/y 24.0%
760.1
y/y 19.6%
16.1%Link
2025-03-31Q1 2025 (3M)OK572.2
y/y 22.5%
35.1
y/y 0.0%
3926.9
y/y —
841.5
y/y —
18.1%Link
2024-12-31Q4 2024 (3M)OK723.7
y/y 35.1%
93.0
y/y 811.1%
4065.7
y/y 29.5%
709.0
y/y 16.6%
—Report (PDF)
2024-09-30Q3 2024 (3M)OK628.3
y/y 38.7%
8.6
y/y -53.1%
—
y/y —
—
y/y —
—Report (PDF)
2024-06-30Q2 2024 (3M)OK562.4
y/y 38.8%
19.4
y/y -44.7%
3338.6
y/y 6.3%
635.6
y/y 4.5%
—Report (PDF)
2024-03-31Q1 2024 (3M)OK467.0
y/y 39.3%
35.1
y/y -28.8%
—
y/y —
—
y/y —
—Report (PDF)
2023-12-31Q4 2023 (3M)OK535.7
y/y —
10.2
y/y —
3140.7
y/y —
608.3
y/y —
—Report (PDF)
2023-09-30Q3 2023 (3M)OK453.0
y/y —
36.1
y/y —
—
y/y —
—
y/y —
—Report (PDF)
2023-06-30Q2 2023 (3M)OK406.7
y/y —
49.3
y/y —
3140.7
y/y —
608.3
y/y —
—Link
2023-03-31Q1 2023 (3M)OK335.2
y/y —
49.3
y/y —
—
y/y —
—
y/y —
—Link

Insurer key metrics

RUB bn; GWP = gross written premiums (IFRS)

202320242025
Gross written premiums (GWP)123.4169.8205.0
GWP YoY+17.3%+37.6%+20.7%
Net profit10.311.111.0
Investment result—9.813.0
Investment portfolio182.0234.7286.4
Total assets223.9289.9323.2
Total equity43.450.656.3
ROE23.8%23.7%20.6%

Renaissance Insurance Group IFRS press releases; Non-life combined ratio ~100%+; underwriting near break-even, earnings carried by investment income

Dividend potential

Dividend replaced by a buyback

The board cancelled the cash dividend in favour of a share buyback; the dividend-model upside is not shown.

1 · Forecast dividend (per policy)
Smoothed net profit (median YTD-ann./LTM/FY)11 bn RUB
Payout ratio49%
Recent actual dividend (3-yr median)4.10 ₽
= Forecast dividend per share6.56 ₽
2 · Fair yield (spread to key rate)
CBR key rate14.2%
Historical yield spread to rate (3-yr median)-8.2 pp
= Fair dividend yield (bank floor ≈ rate−3.5)10.8%
3 · Valuation → upside
Current price70.84 ₽
Forecast dividend yield9.3%
Fair price (dividend-based)64.30 ₽

Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.

Dividend history

Paid, trailing 12-mo: 4.10 RUB/sh · 5.8%

Pay yearDividend /sh
202510.50 ₽
20245.90 ₽
20237.70 ₽
Payments by period
PeriodEx-date/sh
2025 q42025-12-184.10 ₽
2025 q32025-07-146.40 ₽
2024 q42024-12-193.60 ₽
2024 q32024-07-042.30 ₽
2023 q42023-10-097.70 ₽

Dividends

No dividend rows found for this issuer.

Corporate events

02.07.26Material event★ ▲ События (действия), оказывающие, по мнению эмитента, существенное влияние на стоимость или котировки его ценных бумаг
ПАО 'Группа Ренессанс Страхование' в июне 2026 года выкупило около 7,3 млн своих акций. Уставной капитал компании составляет 556,9 млн акций. Выкуп акций может оказать влияние на стоимость ценных бумаг компании.
29.06.26AGM / Board★ ▼ Решения общих собраний участников (акционеров)
На годовом собрании акционеров ПАО 'Группа Ренессанс Страхование', состоявшемся 26 июня 2026 года, было принято решение не объявлять и не выплачивать дивиденды по итогам 2025 года, а также утвердить годовой отчет и финансовую отчетность за 2025 год. Кворум для принятия решений по всем вопросам повестки дня был соблюден.
15.07.26BuybackПриобретение подконтрольной эмитенту организацией голосующих акций (долей) эмитента или депозитарных расписок на акции эмитента
Подконтрольная организация приобрела 256,8 тыс. голосующих акций ПАО «Группа Ренессанс Страхование», что увеличило долю акций с 7,37% до 7,42%. Сделка была завершена 7 июля 2026 года.
15.06.26AGM / BoardРешения совета директоров (наблюдательного совета)
Совет директоров ПАО 'Группа Ренессанс Страхование' единогласно продлил полномочия Правления на 3 года до 02.07.2029. На заседании также был избран новый член Правления, который будет назначен после получения согласия от Банка России. Доля участия новых членов Правления в уставном капитале варьируется от 0,02% до 0,3%.

Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.

Investment-community mentions

Substantive mentions last 7 days: 0, last 30 days: 0 across tracked channels, broker research and shows. 6 passing mentions (digests, calendars) hidden.

Sources: Telegram channels (bloggers — blue chip, broker research — green), YouTube shows via transcripts (orange). Tone (▲/▼) is an automatic assessment in the stock's context. Quotes are fragmentary; authors' views are not our recommendations.

Investor reporting (IR): https://www.e-disclosure.ru/portal/files.aspx?id=37468

Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)

Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of Renessans (RENI) — from primary filings.

Frequently asked questions

What is Renessans (RENI)'s P/E ratio?
Renessans (RENI) trades at a P/E of 3.5x (price to trailing 12-month earnings).
What is Renessans (RENI)'s P/B ratio?
Renessans (RENI) trades at a P/B of 0.7x.
What is Renessans (RENI)'s dividend yield?
Renessans (RENI)'s trailing 12-month dividend yield is 12.2%.
What is Renessans (RENI)'s return on equity (ROE)?
Renessans (RENI)'s ROE is 20.4%.
What is Renessans (RENI)'s market capitalization?
Renessans (RENI)'s market cap is 545 mln USD.