周末了，聊一个既现实，又沉重的话题。 把这个话题拿出来，是因为保险业也越来越内卷，保险代理人如何平衡好业绩与压力的关系，是需要面对的。 前些天，一篇《我有一个券商同事自杀了》文章刷屏了。 一个90后小女生由于卖的基金导致客户亏损严重，被客户天天追着打电话痛骂。 一方面之前客户买的基金持续下跌，另一方面公司继续要求一线同事卖各种新的基金。 终于陷入极度焦虑之中，由于业绩不佳，这个女孩被降职降薪，最后被裁员。 都说金融销售岗位就是一个绞肉机，不是自己被卷入，就是客户被卷入。 在激烈的竞争中，业绩的压力如一座大山，压得很多人喘不过气来。为了出单，为了提升业绩，一些人迷失了自己。已经分不 清工作和自己的生活。 女性作为其中一员，更是要承受更大的压力。 一些女保险代理人，为了业绩，没有把控好与客户的关系，最终被丈夫发现，可能不得不离开家庭与自己的孩子。 一些人可能觉得是危言耸听，夸大其词，甚至抹黑女性保险代理人，不过中国裁判文书网上，这种案例并不鲜见。 比如此前深圳宝安区人民法院一份刑事判决书就曾公布了这样一个案例。 冯某系平安保险公司的业务员，2015年认识了做生意的张某。 根据冯某自己描述，2015年下半年左右，自 ...

Core Viewpoint - AMERISAFE, Inc. (AMSF) experienced a 5.5% decline in share price following the release of its first-quarter 2025 results, primarily due to decreased net investment income, weaker underwriting results, and elevated expenses impacting margins, although strong retention rates and new business growth provided some offset [1] Financial Performance - AMSF reported adjusted earnings per share of 60 cents, exceeding the Zacks Consensus Estimate by 1.7%, but reflecting a 13% year-over-year decline [2] - Operating revenues remained flat at $76 million year-over-year, falling short of the consensus estimate by 1.4% [2] - Net premiums earned increased by 0.6% year-over-year to $68.9 million, but were below the Zacks Consensus Estimate of $69.8 million, supported by strong retention rates and new business growth [3] - Net investment income decreased by 9.7% year-over-year to $6.7 million, missing the consensus mark of $6.9 million, attributed to reduced investable assets from a special dividend paid in the prior quarter [3] - Fee and other income surged by 70.7% year-over-year [3] - Pre-tax underwriting profit fell by 13.7% year-over-year to $7.5 million [4] - Total expenses rose by 2.7% year-over-year to $61.4 million, driven by higher loss and loss adjustment expenses and increased underwriting and operating costs [4] - Operating net income decreased by 14.2% year-over-year to $11.4 million [4] Ratios and Metrics - The net combined ratio was 89.1%, worsening by 180 basis points year-over-year but better than the consensus estimate of 91% [5] - Return on average equity declined by 900 basis points year-over-year to 13.8% [6] Capital Deployment - Management announced a quarterly cash dividend of 39 cents per share, scheduled for payment on June 20, 2025, to shareholders of record as of June 13 [7] Industry Comparison - Other insurers such as Arch Capital Group, RLI Corp., and Kinsale Capital Group reported better-than-expected bottom-line results in the same quarter [9]

中国经济网北京5月7日讯 新华保险（601336）（601336.SH）近日再次交出亮眼"成绩单"。2025年一季 度，新华保险实现原保险保费收入732.18亿元，同比增长28%；实现营业收入334亿元，同比增长超 26%；归属于母公司股东的净利润58.82亿元，同比增长19%。 2024年末，新华保险总资产为16922.97亿元，总负债为15960.28亿元。经计算，新华保险2024年末净资 产为962.69亿元，较上年末1050.92亿元下降8.4%。 2025年一季度，新华保险长期险首年保费272.36亿元，同比增长149.6%，其中，长期险首年期交保费 194.71亿元，同比增长117.3%。一季度，该公司个人寿险业务13个月及25个月继续率同比提升。 据慧保天下数据，较之2021年高峰1051.94亿元的净资产规模，目前新华保险净资产已减少了12.64%至 918.95亿元。同时新华保险是2024年五大上市险企中净投资收益率最低的一个，为3.2%，较2023年下滑 了0.2个百分点。 新华保险日前披露的2024年年度报告显示，报告期内，该公司实现营业收入1325.55亿元，同比增长 85.3%；归属 ...

上 市 公 司 2025 年 04 月 29 日 新华保险 (601336) ——资产、负债两端均表现亮眼 报告原因：有业绩公布需要点评 买入（维持） 非银金融 | 市场数据： | 2025 年 04 月 29 日 | | --- | --- | | 收盘价（元） | 47.56 | | 一年内最高/最低（元） | 58.03/28.51 | | 市净率 | 1.5 | | 股息率%（分红/股价） | 2.92 | | 流通 A 股市值（百万元） | 99,183 | | 上证指数/深证成指 | 3,286.65/9,849.80 | | 注："股息率"以最近一年已公布分红计算 | | | 基础数据: | 2024 年 12 月 31 日 | | --- | --- | | 每股净资产（元） | 30.85 | | 资产负债率% | 94.31 | | 总股本/流通 A 股(百万) | 3,120/2,085 | | 流通 B 股/H 股（百万） | -/1,034 | 一年内股价与大盘对比走势： 04-29 05-29 06-29 07-29 08-29 09-29 10-29 11-29 12-29 01 ...