Core Insights - AXIS Capital Holdings Limited (AXS) reported a fourth-quarter 2025 operating income of $3.25 per share, exceeding the Zacks Consensus Estimate by 9.4% and reflecting a year-over-year increase of 9.4% [1][9] - The company's total operating revenues reached $1.7 billion, surpassing the Zacks Consensus Estimate by 5.2% and showing a nearly 9% year-over-year growth driven by higher premiums earned [2][10] Financial Performance - Net premiums written increased by 13% to $1.4 billion, with a 14% rise in the Insurance segment and a 5% growth in the Reinsurance segment [2] - Net investment income decreased by 4.5% year over year to $187 million, falling short of the Zacks Consensus Estimate of $198 million [3] - Total expenses rose by 16.6% year over year to $1.4 billion, attributed to higher net losses, acquisition costs, and general administrative expenses [3] Underwriting Results - Pre-tax catastrophe and weather-related losses net of reinsurance amounted to $30 million, including $17 million from Hurricane Melissa [4] - Underwriting income increased by 42% year over year to $184 million, with the combined ratio improving to 90.4 from 94.2 a year ago [4][9] Segment Analysis - In the Insurance segment, gross premiums written improved by 11.7% year over year to $1.9 billion, with net premiums earned rising by 13.3% to $1.2 billion [5] - The Reinsurance segment saw gross premiums written increase by 13% year over year to $310.7 million, while net premiums earned rose by 4.2% to $365.6 million [6] Full-Year Highlights - For the full year 2025, AXIS reported an operating income of $12.92 per share, exceeding the Zacks Consensus Estimate by 1.9% and reflecting a 15.6% year-over-year increase [8] Capital Management - AXIS repurchased $888 million of common shares in 2025 and declared a quarterly cash dividend of 44 cents per share, totaling $139 million in annual dividends [12] - The company ended the fourth quarter with cash and cash equivalents of $820.3 million, down 61.7% from the previous year [11]

AXIS Capital (NYSE:AXS) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Company ParticipantsAndrew Andersen - Equity Research Senior VPAndrew Kligerman - Managing DirectorChristian Getzoff - VPCliff Gallant - Head of Investor Relations and Corporate DevelopmentJosh Shanker - Managing DirectorPete Vogt - CFORowland Mayor - VPVince Tizzio - President and CEOConference Call ParticipantsCharlie Lederer - Research AnalystYaron Kinar - Research AnalystNone - AnalystOperatorGood morning, and welcome to the AXIS ...

AXIS Capital (NYSE:AXS) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Company ParticipantsAndrew Andersen - Equity Research Senior VPAndrew Kligerman - Managing DirectorChristian Getzoff - VPCliff Gallant - Head of Investor Relations and Corporate DevelopmentJosh Shanker - Managing DirectorMatt Kirk - Incoming CFOPete Vogt - CFORowland Mayor - VPVince Tizzio - President and CEOConference Call ParticipantsCharlie Lederer - Research AnalystYaron Kinar - Research AnalystNone - AnalystOperatorGood morning, ...

AXIS Capital (NYSE:AXS) Q4 2025 Earnings call January 29, 2026 08:30 AM ET Speaker8Good morning, and welcome to the AXIS Capital Fourth Quarter 2025 Earnings Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key, followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on your telephone keypad. To withdraw your question, please press sta ...

分组1 - ACNB Corporation announced a quarterly cash dividend of $0.38 per share, reflecting an 18.7% increase from the previous dividend of $0.32 per share [1] - The dividend is payable on March 13, 2026, to shareholders of record as of February 27, 2026 [1] - ACNB Corporation is a financial holding company with total assets of $3.23 billion, operating through ACNB Bank and ACNB Insurance Services, Inc. [2] 分组2 - ACNB Bank, founded in 1857, provides banking and wealth management services through a network of 33 community banking offices [2] - ACNB Insurance Services, Inc. is a full-service insurance agency licensed in 46 states, offering a wide range of insurance products [2]

Progressive Corp (NYSE:PGR) reported better-than-expected fourth-quarter financial results on Wednesday.Progressive reported quarterly earnings of $4.67 per share which beat the analyst consensus estimate of $4.41 per share. The company reported quarterly sales of $21.093 billion which beat the analyst consensus estimate of $20.101 billion.Progressive shares rose 0.1% to $212.76 in pre-market trading.These analysts made changes to their price targets on Progressive following earnings announcement.BMO Capita ...

Progressive Corp (NYSE:PGR) reported better-than-expected fourth-quarter financial results on Wednesday.Progressive reported quarterly earnings of $4.67 per share which beat the analyst consensus estimate of $4.41 per share. The company reported quarterly sales of $21.093 billion which beat the analyst consensus estimate of $20.101 billion.Progressive shares rose 0.1% to $212.76 in pre-market trading.These analysts made changes to their price targets on Progressive following earnings announcement.BMO Capita ...

Core Insights - Climate change is leading to an increase in home insurance premiums for Americans, with significant implications for household budgets by 2026 [1][3][4] Group 1: Impact of Climate Change on Insurance - The frequency of catastrophic weather events has risen, with the U.S. experiencing 27 billion-dollar disasters in 2024, resulting in total damages of $183 billion [1] - Insured losses in the U.S. reached $112.7 billion in 2024, marking a 36% increase year-over-year [3] - Insurers are reducing coverage and exiting high-risk markets, making property insurance less affordable and available for many Americans [4] Group 2: Homeowner Insurance Coverage - A 2024 analysis indicated that 7.4% of American homeowners were uninsured, representing approximately $1.6 trillion in unprotected market value [5] - Homeowners face significant financial risks by forgoing insurance, as property damage could lead to substantial losses [5] Group 3: Premium Determination Factors - Insurance premiums are rising due to increased risk levels, with insurers using "frequency-severity modeling" to predict future risks [6] - If climate risk escalates faster than general inflation, insurance premiums will increase more rapidly than other costs [7] - The rising climate concerns are forcing Americans to allocate more of their budgets to insurance premiums, regardless of claims made [7]

Group 1 - Donegal Group Inc. plans to release its fourth quarter and full year results for 2025 on February 19, 2026, before the NASDAQ market opens [1] - A supplemental investor presentation will be available on the company's website at the same time as the earnings press release [1] - The company will host a pre-recorded audio webcast featuring management commentary and a Q&A session on February 19, 2026 [2] Group 2 - Donegal Group Inc. is an insurance holding company offering property and casualty insurance in 21 states across the Mid-Atlantic, Midwest, South, and Southwest regions [3] - The company operates under the Donegal Insurance Group, which has an A.M. Best rating of A (Excellent) [3] - The Class A and Class B common stocks of Donegal Group Inc. trade on the NASDAQ under the symbols DGICA and DGICB, respectively [4] Group 3 - The company focuses on achieving sustained excellent financial performance, modernizing operations, growing profitably, and providing superior experiences to agents, customers, and employees [4]

AXIS CAPITAL HOLDINGS LIMITED INVESTOR FINANCIAL SUPPLEMENT FOURTH QUARTER 2025 AXIS CAPITAL HOLDINGS LIMITED 29 Richmond Road Pembroke HM 08 Bermuda Contact Information: Cliff Gallant Investor Contact (415) 262-6843 investorrelations@axiscapital.com Website Information: www.axiscapital.com This report is for informational purposes only. It should be read in conjunction with the documents that the Company files with the Securities and Exchange Commission pursuant to the Securities Act of 1933 and the Securi ...