1. Russian Federation Stocks

  2. •

    Financial Services

  3. •

    Insurance - Diversified
Renaissance Insurance Group JSC

Renaissance Insurance Group JSC

RENI.ME
Renaissance Insurance Group JSCRU flagMoscow Stock Exchange
47.25
RUB
-0.19
- -
26.32BMarket Cap
Renaissance Insurance Group JSC
RENI.ME
(Moscow Stock Exchange)

Recent

price

47.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
FRC
130.04
137.48
160.35
188.7
Revenue per Share
6.06
7.45
8.4
6.45
Basic EPS, GAAP
-1.23
-0.66
-1.47
-1.65
Free Cash Flow per Basic Share
1.78
- -
- -
- -
Dividend per Share
10.88
18.12
26.32
36.79
Book Value per Share
21.59
28.84
36.78
72.1
Tangible Book Value per Share
557
557
557
557
Basic Weighted Avg Shares
72,428
76,570
89,309
105,095
Sales/Revenue/Turnover
- -
- -
- -
- -
Operating Margin (%)
580
814
814
835
Depreciation Expense
3,378
4,147
4,680
3,591
Net Income, GAAP
19.36
20.62
18.79
8.65
Effective Tax Rate (%)
4.66
5.42
5.24
3.42
Profit Margin (%)
- -
- -
- -
- -
Working Capital
2,508
4,052
3,790
4,321
LT Debt
21,617
25,572
30,244
50,253
Total Equity
- -
- -
- -
- -
Return on Invested Capital (%)
- -
38.87
30.54
18.56
Return on Capital (%)
- -
51.35
37.81
20.43
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
66.16%
Free Cash Flow
- -
- -
11.87%
Net Income, GAAP
- -
- -
-23.26%
Sales/Revenue/Turnover
- -
- -
17.68%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
- -
- -
- -
- -
76,570
2020
- -
- -
- -
- -
89,309
2021
- -
- -
- -
- -
105,095

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
- -
- -
- -
- -
7.45
2020
- -
- -
- -
- -
8.4
2021
- -
- -
- -
- -
6.45

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2019
- -
- -
- -
- -
- -
2020
- -
- -
- -
- -
- -
2021
- -
- -
- -
- -
- -
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Business
Renaissance Insurance Group JSC operates as a universal insurance company based in Moscow, Russia, founded in 1997. It offers a broad range of insurance products and services across six business segments, including non-life insurance and life insurance. Its non-life insurance products cover vehicle, property, cargo, civil and professional liability, voluntary medical, citizens traveling abroad, and compulsory insurance products such as compulsory motor third party liability (OSAGO). Life insurance offerings include endowment insurance, term life, mixed premium insurance, accident insurance, and credit life insurance. The company also provides non-state pension services and participates in the state co-financing long-term savings program. Geographically, Renaissance Insurance Group primarily operates within the Russian Federation, focusing on retail and corporate clients. The company emphasizes digital sales channels and has achieved significant premium growth via its digital platforms. Recent major company changes include the strategic acquisition of Raiffeisen Life in 2023, enhancing its life insurance segment, and ongoing development of partnerships and business digitalization to drive sales growth. In 2025, Renaissance expanded its footprint through the acquisition of Insurance Agency Network (IAN), extending its reach into additional Russian states and strengthening its agency network. These strategic moves reinforce Renaissance's position as a rapidly growing universal insurance provider with strong capabilities in both life and non-life insurance lines, supported by innovative digitalization efforts and new market expansions.