图片来源： Sixfold Z Highlights 01 AI 赋能， Sixfold 直击保险业效率、风险、成本、定制痛点 全球保险行业整体呈现增长态势， 2025-2026 年实际保费年均增速高于过去五年。亚太地区尤其是中国和印度正逐步成为推动全球保险业增长的重要引 擎。同时行业加速数字化转型，保险公司积极采用云计算、大数据分析和人工智能等技术，以优化承保流程、提高风险评估准确性，并提供个性化的客户 服务。 国际保险行业目前面临多个痛点，包括效率和准确性问题、风险评估与管理问题、成本控制问题、客户个性化定制问题等， Sixfold 这个平台能够 针对性地一一解决。 Sixfold 成立于 2023 年，总部位于美国纽约，是一家专注于为保险行业提供生成式人工智能解决方案的科技公司。 Sixfold 主要面向希望实现承保流程现代 化的保险公司、管理总代理（ MGAs ）和再保险公司提供 B2B 的风险分析解决方案， 涉及包括人寿、残疾和财产与意外伤害在内的各种保险线 。 它的创 立愿景是通过利用生成式人工智能技术来革新保险承保流程， 其核心产品致力于提升承保人处理日常工作的效率，解决保险承保过程中准确性不足 ...

Core Viewpoint - Mercury General Corporation (MCY) reported a narrower operating loss of $2.29 per share for Q1 2025, compared to a loss of $4.00 estimated by Zacks Consensus, and a prior-year operating income of 78 cents per share [1] Operational Update of MCY - Total operating revenues for the quarter were $1.4 billion, reflecting a 10.9% year-over-year increase, although it missed the consensus estimate by 4.4% [2] - Net premiums earned rose 10% year over year to $1.3 billion, falling short of the Zacks Consensus Estimate of $1.4 billion [2] Investment Income and Expenses - Net investment income before income taxes increased by 25.3% year over year to $81.5 million, surpassing the Zacks Consensus Estimate of $65 million [3] - Total expenses rose 29.6% year over year to $1.5 billion, driven by higher losses, loss adjustment expenses, and policy acquisition costs [3] Catastrophe Losses and Ratios - Catastrophe losses net of reinsurance amounted to $447 million, significantly higher than a loss of $72 million in the prior-year quarter, primarily due to Southern California wildfires [4] - The combined ratio deteriorated by 1,830 basis points year over year to 119.2, with the loss ratio worsening by 1,760 basis points to 95.1 [4] Financial Update of MCY - As of March 31, 2025, total assets were $9 billion, an increase of 8.6% from the end of December 2024, with a cash balance of $1.2 billion, up 78.3% [5] - Shareholder equity decreased by 6.5% to $1.8 billion, and book value per share was $32.87, down 6.4% year over year [6] Dividend Update - The board of directors declared a quarterly dividend of 31.75 cents per share, payable on June 26, 2025, to shareholders of record as of June 12, 2025 [7] MCY Zacks Rank - MCY currently holds a Zacks Rank of 3 (Hold) [8]