TORONTO, Nov. 06, 2025 (GLOBE NEWSWIRE) -- Trisura Group Ltd. (“Trisura” or “Trisura Group”) (TSX: TSU), a leading specialty insurance provider, today announced financial results for the third quarter of 2025. David Clare, President and CEO of Trisura, stated, “Q3 was another strong quarter with Operating ROE of 18.0% and Operating net income of $34.4 million, or $0.71 per share. A Combined ratio of 86.0% showcases our consistent underwriting profitability, and 23.8% growth in Net investment income supports ...

Core Insights - Trupanion, Inc. reported record quarterly profitability and continued growth in subscription pet enrollments for the third consecutive quarter, indicating a strong financial foundation and commitment to sustainable growth [2][6]. Financial Highlights - Total revenue for Q3 2025 was $366.9 million, a 12% increase compared to Q3 2024 [8]. - Subscription business revenue reached $252.7 million, reflecting a 15% increase year-over-year [8]. - Net income for Q3 2025 was $5.9 million, or $0.14 per basic share, compared to $1.4 million, or $0.03 per basic share, in Q3 2024 [8]. - Adjusted EBITDA for Q3 2025 was $19.6 million, up from $14.5 million in Q3 2024 [8]. - Operating cash flow was $29.2 million, compared to $15.3 million in Q3 2024 [8]. Business Metrics - Total enrolled pets as of September 30, 2025, was 1,654,414, a decrease of 2% from the previous year [8]. - Subscription enrolled pets increased by 5% to 1,082,412 [8]. - Monthly average revenue per pet rose to $79.84 from $71.94 year-over-year [24]. - Average pet acquisition cost increased to $278 from $227 [24]. - Average monthly retention rate improved slightly to 98.33% from 98.29% [24]. Debt and Financial Flexibility - Trupanion secured a new three-year $120 million credit facility with PNC Bank, which has a lower interest rate than the previous facility, enhancing financial flexibility [6][7]. - The new credit facility is expected to support strategic initiatives and operational investments, reflecting the company's commitment to prudent financial management [7]. Year-to-Date Performance - For the first nine months of 2025, total revenue was $1,062.5 million, a 12% increase compared to the same period in 2024 [8]. - Subscription business revenue for the first nine months was $727.9 million, a 16% increase year-over-year [8]. - Net income for the first nine months was $13.8 million, compared to a net loss of $(11.3) million in the same period of 2024 [8].

Financial Performance - Net income available to shareholders for the three months ended September 30, 2025 was $453 million[9], compared to $150 million for the same period in 2024[9] - Adjusted earnings for the three months ended September 30, 2025 were $970 million[9], compared to $767 million for the same period in 2024[9] - Adjusted earnings, less notable items, for the three months ended September 30, 2025 were $261 million[9], compared to $243 million for the same period in 2024[9] - Book value per common share as of September 30, 2025 was $8160[9], while book value per common share, excluding AOCI, was $15194[9] Segment Performance (Three Months Ended September 30, 2025) - Annuities adjusted earnings were $304 million[16] - Life adjusted earnings were $40 million[16] - Run-off adjusted earnings were $641 million[16] - Corporate & Other reported an adjusted loss of $15 million[16] Key Metrics - Combined total adjusted capital was $54 billion as of September 30, 2025[9] - Combined risk-based capital ratio was between 435% and 455% as of September 30, 2025[9]

Core Insights - The podcast discusses stocks with the highest Zacks Rank (1 Strong Buy) and the best VGM (Value, Growth, Momentum) scores, indicating strong earnings estimates and attractive fundamentals [1][2]. Group 1: Stock Highlights - Indivior PLC (INDV) is a small-cap stock with a market cap of $3.94 billion, focusing on medicines for opioid use disorder. It has raised its 2025 revenue guidance for Sublocade, expecting earnings to rise by 30.1% in 2025 and 20.1% in 2026. Shares are up 157% year-to-date [3][4]. - The Travelers Companies, Inc. (TRV) is a large-cap property and casualty insurer with a market cap of $61.9 billion. It reported strong underwriting results in Q3 2025, with earnings expected to rise by 14.6% in 2025 and 6% in 2026. Shares are up 14% year-to-date, with a forward P/E of 11.2, indicating value [4][5]. - OppFi Inc. (OPFI) is a digital finance platform with a market cap of $877 million, providing affordable credit to 48 million Americans lacking traditional options [7].

Nov 6, 2025 2:54 PM Eastern Standard Time Ategrity Expands Suite of Pre-Priced Solutions with Launch of Religious Organizations Offering Share Unlocks Growth Potential of Over 200,000 Institutions NEW YORK--(BUSINESS WIRE)--Ategrity Specialty Insurance Company Holdings (NYSE: ASIC) today announced the launch of Ategrity Select Religious Organizations, the latest addition to its pre-priced platform. The company has pre-qualified and pre-priced more than 200,000 religious institutions across the United States ...

Core Insights - MetLife, Inc. reported third-quarter 2025 adjusted operating earnings per share (EPS) of $2.34, exceeding the Zacks Consensus Estimate by 0.4% and reflecting a 21% year-over-year increase [1][10] - Adjusted operating revenues reached $17.9 billion, a 1.6% year-over-year increase, but fell short of the consensus mark by 5% [1][2] Financial Performance - Strong performance in Asia, Group Benefits, and EMEA segments contributed to the quarterly results, driven by higher volumes and improved investment income [2] - Adjusted premiums, fees, and other revenues (PFOs) grew 4% year over year to $12.5 billion, while adjusted net investment income rose 6% year over year to $5.4 billion [3] - Total expenses decreased by 1.8% year over year to $16.2 billion, aided by lower policyholder benefits and claims [4] - Net income fell 36% year over year to $818 million, but adjusted return on equity improved by 230 basis points to 16.7% [4] Segment Performance - Group Benefits segment reported adjusted earnings of $455 million, a 22% year-over-year increase, surpassing the consensus estimate [5] - Adjusted earnings in the RIS unit declined 8% year over year to $436 million, but exceeded the consensus mark [6] - Asia segment's adjusted earnings surged 77% year over year to $543 million, significantly outpacing the consensus estimate [7] - Latin America adjusted earnings dropped 33% year over year to $147 million, impacted by a VAT charge in Mexico [8] - EMEA segment's adjusted earnings increased 26% year over year to $88 million, matching the consensus estimate [9] Financial Position - As of September 30, 2025, MetLife had cash and cash equivalents of $20.2 billion, a 0.8% increase from the end of 2024 [12] - Total assets rose 6.2% year over year to $719.7 billion, while total equity increased by 5.4% to $29.2 billion [12] Capital Management - MetLife repurchased shares worth $502 million in the third quarter and planned additional repurchases of approximately $150 million in October 2025 [14] - Common stock dividends paid in the quarter amounted to $378 million [14] Future Outlook - Management expects pre-tax variable investment income of around $1.7 billion for 2025 and projects an expense ratio of 12.1% [15] - Adjusted PFOs in Group Benefits are anticipated to rise by 4-7% annually, while declines of 4-6% are expected in the MetLife Holdings segment [16] - The company aims for an adjusted return on equity in the range of 15-17% and double-digit adjusted EPS growth in the near term [17]

Core Insights - Kemper's shares fell 15.6% after disappointing Q3 2025 financial results, with adjusted earnings of $0.33 per share missing expectations of $1.32 by 75% [1] - The company's combined ratio was 99.6%, significantly worse than the projected 94.7%, indicating poor underwriting performance [1] - Although revenue expectations were met, Kemper fell short on book value per share, raising investor concerns [1] Financial Performance - Kemper's adjusted earnings for Q3 2025 were $0.33 per share, missing Wall Street expectations by 75% [1] - The combined ratio of 99.6% indicates that total underwriting costs and claims exceeded premiums earned, with a figure below 100% typically indicating profitability [1] - The company's performance deteriorated compared to the same quarter last year [1] Stock Market Reaction - The stock experienced a significant drop, marking one of the rare instances of volatility for Kemper, which has only had four moves greater than 5% in the past year [3] - The previous notable drop occurred 22 days prior, when the CEO announced his immediate resignation, which affected investor confidence [4] Year-to-Date Performance - Kemper's stock is down 44% since the beginning of the year, trading at $36.62 per share, which is 49.2% below its 52-week high of $72.10 from November 2024 [5] - An investment of $1,000 in Kemper's shares five years ago would now be worth $564.93 [5]

Core Insights - The article identifies three S&P 500 stocks to avoid due to poor performance and suggests better alternatives instead Group 1: Boeing (BA) - Boeing has a market capitalization of $150.2 billion and operates in the commercial aircraft market as a key player in a duopoly [2] - The stock trades at $197.45 per share, reflecting a high forward P/E ratio of 151.3x, indicating overvaluation [3] Group 2: Vulcan Materials (VMC) - Vulcan Materials has a market capitalization of $37.67 billion and specializes in producing construction aggregates [4] - The stock price of $287.14 implies a forward P/E ratio of 30.1x, suggesting it may not be a favorable investment opportunity [6] Group 3: Aflac (AFL) - Aflac has a market capitalization of $58.3 billion and provides supplemental health and life insurance policies [7] - Weak unit sales over the past two years indicate potential price reductions may be necessary for growth [9] - Negative free cash flow raises concerns about the return timeline for investments [9] - Aflac has experienced a 6.1% annual decline in net premiums earned over the past five years, reflecting struggles in policy sales [11] - The projected book value per share is expected to decline by 1.1% over the next 12 months, indicating challenges in credit quality [12]

Core Insights - Lemonade is approaching GAAP profitability, with a net loss of $38 million in the latest quarter, which is 45% lower than the previous year and represents 14% of its gross earned premiums, down from over 80% in Q3 2021 [2] - The company's trailing 12-month gross loss ratio improved to 67%, a decrease of 10 percentage points from Q3 2024, indicating better management of earned premiums [2] - Lemonade's stock experienced a significant increase of 34% following strong quarterly earnings, highlighting positive market sentiment [4] Options Trading Strategies - A covered call strategy is being employed, with a premium income of $5.20 generated from selling a call option at an $85 strike price [1][7] - The annualized total return for the covered call strategy, assuming the share price remains flat, is projected at 59.2% [7] - Selling cash-secured puts is another strategy being considered, with the $55 strike offering an annualized return of 18.9% and the $65 strike offering a higher return of 40.4% [9][11] Bullish Strategies - A bull call spread is being constructed using the $85 call and a short call at a $90 strike price, focusing on maximizing profit probability [13][14] - The bull put spread strategy is also being utilized, with a higher breakeven point of $68.60, indicating confidence in the stock's upward movement [16][17] - The long iron condor strategy is being explored, which involves multiple options at different strike prices to generate income while managing risk [18][19] Performance Metrics - The maximum profit for the covered call strategy is calculated at $10.46 or 14%, with a breakeven price of $74.54 and a 59.2% probability of exceeding this price at expiration [8] - The expected move for Lemonade's stock is $15.01, which could impact the profitability of various options strategies [7][11] - The long iron condor strategy has a maximum profit potential of $460, with a net debit of $540, indicating a structured approach to risk management [20][21]

Not for distribution to U.S. news wire services or dissemination in the United States. THE BASE SHELF PROSPECTUS IS ACCESSIBLE, AND THE SHELF PROSPECTUS SUPPLEMENT FOR THE PUBLIC OFFERING AND ANY AMENDMENT TO THE DOCUMENTS WILL BE ACCESSIBLE, WITHIN TWO BUSINESS DAYS, THROUGH SEDAR+ TORONTO, Nov. 06, 2025 (GLOBE NEWSWIRE) -- Intact Financial Corporation (TSX: IFC) (“Intact” or the “Company”) announced today that it has entered into an agreement with a syndicate of underwriters led by BMO Capital Markets and ...