Key Takeaways AFRM is expanding from large purchases to everyday items via new deals with Costco and World Market. Total Q3 FY25 transactions rose 45.6% YoY to 31.3M, driven by more repeat customer activity. Active merchants hit 358,000, up 23% YoY, as AFRM invests in ML underwriting and real-time decisions.Affirm Holdings, Inc. (AFRM) has established a distinct position in the bustling Buy Now, Pay Later (BNPL) market by focusing on transparency, catering to high-ticket purchases and offering flexible fi ...

Key Takeaways ExtraCash gives underbanked users up to $500 in interest-free cash advances. DAVE replaced its optional fee model with a 5% flat fee, capped at $15, to boost cost transparency. The mobile-first platform positions DAVE to meet rising demand for accessible, flexible banking tools.Dave Inc.’s (DAVE) ExtraCash service is a vital resource for the underbanked, a group often marginalized by traditional banking. This demographic made up 14.2% of U.S. households in 2023, according to the Federal Depo ...

Group 1 - Chubb (NYSE: CB) is highlighted as a best-in-class U.S. insurer, demonstrating steady and resilient underwriting performance over the years despite increased challenges [1] - The company is managed by Evan Greenberg, who has contributed to its consistent performance in the property and casualty (P&C) insurance sector [1] - The CrickAnt, an actuary, provides analysis on insurance and reinsurance companies, indicating a focus on cash flows and capital access within the industry [1] Group 2 - The Cash Flow Club, which includes contributions from various analysts, emphasizes features such as targeting a 6%+ yield and performance transparency [1] - The club covers sectors including energy midstream, commercial mREITs, BDCs, and shipping, indicating a broad investment focus [1]

~ Palomar to Appoint Neptune as Exclusive Managing General Agent for Flood Insurance ~ LA JOLLA, Calif. and ST. PETERSBURG, Fla., June 26, 2025 (GLOBE NEWSWIRE) -- Palomar Holdings, Inc. (“Palomar” NASDAQ: PLMR), a leading specialty insurer, and Neptune Flood (“Neptune”), the largest provider of private flood insurance in the United States, today announced a strategic partnership under which Neptune will become Palomar’s exclusive managing general agent for flood insurance. Palomar will continue its longsta ...

Core Insights - Markel Insurance has appointed Collin Sim as the first dedicated Casualty Underwriter in Singapore, marking a significant step in the company's strategic expansion in the region [1][2]. Company Strategy - The appointment of Collin Sim is aimed at developing Markel's Casualty presence in Southeast Asia and the broader Asian market, focusing on building relationships with brokers and clients while managing a portfolio of risks [2][4]. - This strategic move supports the expansion of casualty underwriting capabilities across the Asia Pacific region [2][4]. Leadership and Expertise - Collin Sim brings over 20 years of casualty underwriting experience in Asia, having previously worked at Allied World and Gen Re, where she managed casualty business across various Southeast Asian markets [3][4]. - The leadership at Markel, including Wanshi Lin and Christian Stobbs, expressed confidence in Sim's ability to enhance the company's underwriting capabilities and service delivery in the region [4]. Company Overview - Markel Insurance is a leading global specialty insurer known for its people-first approach, leveraging a wide range of capabilities to address complex specialty insurance needs [5].

DALLAS, June 25, 2025 /PRNewswire/ -- Title Resources Group (TRG), one of the nation's leading title insurance underwriters, is pleased to welcome Natasha Branch as Vice President, Education and Underwriting Counsel for North Carolina. Natasha will provide underwriting support and guidance to independent and affiliated title agents throughout North Carolina and the broader Southeast, expanding TRG's footprint in the state. Natasha Branch Natasha Branch "Natasha's depth of knowledge and experience in doing r ...

Core Insights - Kingstone Companies, Inc. (KINS) has shown significant growth in policies-in-force (PIF), with personal lines now constituting 96% of total PIF, up from 88% a year ago [1][8] - The exit of major insurers from the New York personal lines market in 2024 allowed KINS to capture a substantial share, writing over 6,000 new policies and adding $23 million in premium volume in the latter half of 2024 [2][8] - KINS anticipates a premium growth of 15-25% in its core segment for 2025, supported by newly onboarded policies that adhere to tightened underwriting standards [3][8] Company Strategy - KINS has strategically exited underperforming and non-core areas, allowing for a more focused allocation of underwriting resources, which has resulted in a nearly 19% year-over-year increase in renewal premiums in Q1 2025 [4] - The disciplined growth strategy has led to six consecutive profitable quarters and improved combined ratios, indicating a commitment to stable, high-margin growth [4] Competitive Landscape - KINS competes closely with Kinsale Capital Group (KNSL) and Heritage Insurance Group (HRTG), both of which also emphasize disciplined underwriting and targeted market expansion [5][6] - Kinsale's growth is driven by its expanding presence in the excess and surplus insurance market, while Heritage has focused on higher-margin segments, enhancing its underwriting results [5][6] Financial Performance - KINS shares have underperformed the industry, losing 2.5% year to date [7] - The company trades at a price-to-book value ratio of 2.46, above the industry average of 1.55, but holds a Value Score of A [9] - Consensus estimates for KINS' 2025 and 2026 revenues and EPS indicate year-over-year increases, with a Growth Score of A [10][11]

OppFi (NYSE: OPFI ) is quietly rewriting the rules of credit underwriting with a model that sees beyond surface-level risk. At the core of this transformation is Model 6, its proprietary credit engine designed to prioritize long-term borrower behavior overHi, I'm Yiannis. Spotting winners before they break out is what I do best.Experience: Previously worked at Deloitte and KPMG in external/internal auditing and consulting. Education: Chartered Certified Accountant, Fellow Member of ACCA Global, with BSc and ...

America’s Car-Mart (CRMT) Q4 2025 Earnings Call June 12, 2025 09:00 AM ET Company Participants Vickie Judy - Chief Accounting OfficerDouglas Campbell - CEO & PresidentJonathan Collins - CFOJamie Fischer - COOKyle Joseph - Managing DirectorJohn Murphy - Managing Director Conference Call Participants Vincent Caintic - MD & Finance Analyst Vickie Judy I'm Vicky Judy, the company's chief accounting officer. Welcome to America's Car Mart's Fourth Quarter Fiscal Year twenty twenty five Earnings Call for the perio ...

America’s Car-Mart (CRMT) Q4 2025 Earnings Call June 12, 2025 09:00 AM ET Speaker0 I'm Vicky Judy, the company's chief accounting officer. Welcome to America's Car Mart's Fourth Quarter Fiscal Year twenty twenty five Earnings Call for the period ending 04/30/2025. Joining me on the call today is Doug Campbell, our company's President and CEO Jonathan Collins, our CFO and Jamie Fisher, our COO. We issued our earnings release earlier this morning, and the supplemental materials are on our website. We will pos ...