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General information

Renaissance Insurance is one of the largest independent insurers in Russia. The number of customers exceeds 4 million. The company takes first place in the online segment
  • Good financial results growth rate 405.8% (average between last period year over year growth for revenue and Net Income), there is acceleration compared to average historical growth rates (43.8%)
  • Dividend yield for the last twelve months 4.7%
  • Share price is 237.1% higher than minimum and 8.9% lower than maximum for the last 3 years
  • The company is overvalued by P/E LTM multiple compared to target level (6.3x vs
    )
  • Fundamental value created in LTM (estimate)
  • Taking into account the impact of the key rate 21% on the change in financial parameters: EBITDA adjustment is 55 mln rub as NetDebt * (current key rate - normalized 7%) / 2, expected EBITDA adjusted for key rate increases is 29 686 mln rub, expected mult is 2.3x, target mult is 4.8x, potential is +105.2%

Key Financials (Download financials)

Ticker: RENI
Share price, RUB:  (-2.1%)125.76
year average price 104.08  


year start price 100.24 2024-03-29

min close price 85.02 2024-07-10

max close price 138.00 2025-03-25

current price 126.94 2025-03-28
Common stocks: 556 950 000
Dividend Yield:  4.7%
P / E LTM: 6.3x
P / E annualized: 2.7x
Last revenue growth (y/y):  36.2%
Last growth of Net Income (y/y):  200.0%
Historical revenue growth:  20.4%
Historical growth of Net Income:  67.2%
Target P/E (hist percentile):
Express share price potential:
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside-23.7%
 FCF Creation0.0%
 Growth+118.1%
 Growth Corr+37.2%
 
 Sum+131.6%
P/E mutiple calculation
Market Cap (m RUB): 70 042
Net Profit (m RUB): 11 100
P / E LTM: 6.3x
Average daily trading volume for the week, RUB mln: 117
P / E 5.6x
P / B 0.2x

Revenue and Net Income

Quarterly values (m RUB)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment RUB per share

Multiple and potential

EV / LTM Net Income and 50% percentile

Potential dynamics

Daily trade volumes

Millions of RUB

P/B and P/E multipliers

P / B

P / E

More information for subscribed users:
detailed calculation of
Potential and Created Value,
commodities affecting the company