Financial Data and Key Metrics Changes - In Q4 2025, American Coastal Insurance reported a net income of $26.6 million, with core income at $25.8 million, reflecting a year-over-year increase of $19.8 million due to a decrease in incurred losses from Hurricane Milton [8][9] - For the full year, net income reached $106.8 million, exceeding initial guidance of $70 million to $90 million, while core income was $103.7 million, an increase of $26.8 million [4][8] - The combined ratio was 58.6% for the quarter and 60.1% for the full year, with the underlying combined ratio at 58.9% for the quarter, a decrease of 7 points from the prior year [9][10] Business Line Data and Key Metrics Changes - Premiums written increased approximately 59% compared to Q3 2025 but declined 19% year-over-year due to rate decreases influenced by Florida's legislative reforms [5][6] - Net premiums earned for the full year were $306.8 million, above the midpoint of the 2025 guidance of $290 million to $320 million [5][10] Market Data and Key Metrics Changes - The company noted that softer market conditions in commercial property insurance are expected to persist, impacting premium production [6] - The company is focusing on underwriting new, profitable commercial residential property insurance business in Florida and other states, leveraging its technical expertise [6] Company Strategy and Development Direction - The company is undergoing a strategic transformation aimed at improving its business profile by introducing new revenue and earnings growth pathways in the Excess and Surplus (E&S) market [6] - There are plans for expansion into South Carolina, Texas, and broader nationwide E&S markets through partnerships, with a focus on maintaining underwriting discipline [6][28] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to produce strong returns on capital despite a challenging market environment, emphasizing the importance of maintaining underwriting discipline [4][6] - The company is monitoring its stock price closely and considers share repurchases as an option if the stock remains undervalued [33][49] Other Important Information - Cash and investments grew 19.8% in 2025 to $647.7 million, reflecting a strong liquidity position, while stockholders' equity increased 34.8% to $317.6 million [10][11] - A special dividend of $0.75 per share was declared in Q4, totaling $36.6 million [11] Q&A Session Summary Question: Comments on gross premium results and rate environment - Management noted a 19% drop in gross premiums year-over-year but highlighted a 60% rebound quarter-over-quarter, indicating a disciplined approach to managing exposures [14][17] Question: Expectations for revenue numbers and earned premiums - Management expressed confidence in achieving solid revenue guidance for 2026 despite potential volatility in written premiums [20][21] Question: Underwriting margins and catastrophe profiles in new markets - Management indicated that underwriting margins in South Carolina and Texas are expected to be slightly higher than in Florida, with a focus on similar classes of commercial residential property [28][30] Question: Prioritization of deleveraging and capital return - Management stated that while reducing financial leverage is a goal, the immediate focus is on earning underwriting profits and increasing shareholder equity [32][33] Question: Update on the new entity ACES and market share expectations - Management confirmed that ACES is pending regulatory approval and expects it to contribute modestly to revenue in 2026, with a long-term goal of achieving market leadership [38][42] Question: Share repurchase considerations - Management acknowledged the stock's undervaluation and indicated that share repurchases may be considered, but special dividends remain a priority [47][49]

Group 1 - The presentation focuses on themes in the property and casualty insurance space, specifically regarding Trisura [1] - The session includes a Q&A format, encouraging audience participation through questions [1] - Technical issues were briefly mentioned, indicating a smooth transition to the main discussion [1]

(Note: All dollar amounts in this news release are expressed in U.S. dollars except as otherwise noted. The financial results are derived from unaudited consolidated financial statements prepared using the recognition and measurement requirements of International Financial Reporting Standards as issued by the International Accounting Standards Board ("IFRS Accounting Standards"). This news release contains certain non-GAAP and other financial measures, including underwriting profit (loss), adjusted operatin ...

Earnings Presentation SKU is an MGA focused on producing & underwriting commercial property insurance on behalf of our risk bearing entities. Specialty Commercial Property Managing General Agency 4 th Quarter 2025 February 19, 2026 Company Overview ACIC is a specialty underwriter of catastrophe exposed commercial property insurance. American Coastal Insurance Corp. (Nasdaq: ACIC) is the insurance holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, and Skyway ...

Core Insights - Fidelity National Financial, Inc. (FNF) reported financial results for Q4 and the full year 2025, highlighting strong performance in its Title Segment and a significant special stock distribution to shareholders [1][2][3]. Financial Performance - Adjusted net earnings for Q4 2025 were $382 million, or $1.41 per share, compared to $366 million, or $1.34 per share in Q4 2024, marking an increase of 4.4% in earnings per share [4][5]. - Full year adjusted net earnings reached $1.4 billion, or $4.97 per share, up from $1.3 billion, or $4.63 per share in 2024, reflecting a 7.3% increase in earnings per share [4][5]. - Total revenue for Q4 2025 was $4.051 billion, compared to $3.621 billion in Q4 2024, representing an increase of 11.9% [9]. Title Segment Highlights - The Title Segment generated total revenue of $2.2 billion for Q4 2025, up from $2.0 billion in Q4 2024, and $8.5 billion for the full year, compared to $7.7 billion in 2024, both reflecting an 11% increase [6][9]. - Direct title premiums for Q4 2025 were $754 million, a 21% increase over Q4 2024, while agency title premiums were $840 million, a 7% increase [18]. - The adjusted pre-tax title margin was 17.5% for Q4 2025, compared to 16.6% in Q4 2024, indicating improved profitability [8][18]. F&G Segment Performance - F&G achieved record assets under management (AUM) of $73.1 billion at the end of Q4 2025, a 12% increase from the previous year [10][22]. - Gross sales for F&G were $3.4 billion in Q4 2025 and $14.6 billion for the full year, driven by strong demand for retirement savings products [10][22]. - F&G's adjusted net earnings for Q4 2025 were $104 million, down from $123 million in Q4 2024, primarily due to unfavorable mark-to-market movements [19][22]. Shareholder Returns - FNF returned approximately $170 million to shareholders in Q4 2025 through dividends and share repurchases, bringing the total for the year to approximately $800 million [10]. - A special dividend of approximately 12% ownership of F&G, valued at around $500 million, was distributed to FNF shareholders on December 31, 2025 [2][10]. Management Commentary - The Chairman highlighted the strong performance of the Title business and the strategic importance of F&G in complementing the Title Segment, emphasizing the transition to a capital-light business model [8][19]. - The CEO noted the company's focus on maintaining competitive advantages through technology and operational efficiencies, positioning the business for future growth [13][19].

Lincoln National Corporation's Board of Directors Declares Quarterly Cash DividendFeb 19, 2026 4:30 PM Eastern Standard Time# Lincoln National Corporation's Board of Directors Declares Quarterly Cash DividendShare---RADNOR, Pa.--([BUSINESS WIRE])--Lincoln Financial (NYSE:LNC) announced today that the board of directors of Lincoln National Corporation declared a quarterly cash dividend of $0.45 per share on the corporation's common stock. The dividend on the common stock will be payable May 1, 2026 to shareh ...

Core Insights - AI is significantly impacting entry-level jobs, particularly among young workers, with 63% of jobs in Ireland being "relatively exposed" to AI [1][4] - The tech and financial services sectors are experiencing notable effects from AI adoption, leading to job stagnation for young workers [2][4] Group 1: Employment Trends - Young workers (ages 15 to 29) in the tech sector are facing a 20% decline in employment from 2023 to 2025, while "prime-age" workers (ages 30 to 59) see a 12% increase [2] - Employment among 15-to 29-year-olds in high-AI risk sectors declined by 1% from 2023 to 2025, despite overall growth in these sectors [3][4] - High-AI risk sectors like financial services and tech experienced only 4% employment growth between 2023 and 2025, compared to 6.25% in low-risk sectors like construction and healthcare [4] Group 2: Labor Market Dynamics - AI-related labor market adjustments are primarily occurring through changes in hiring practices rather than displacing existing workers [7] - Youth unemployment in Ireland has reached nearly 12%, a figure that has been increasing since Q3 2024, indicating challenges for young job seekers [8] - Ireland has a high concentration of international companies in tech and financial services, with over 11% of job postings referencing AI-related terms, significantly higher than in the U.S. and Europe [6]

DES MOINES, Iowa, Feb. 19, 2026 /PRNewswire/ -- F&G Annuities & Life, Inc. (NYSE: FG) (F&G or the Company) a leading provider of insurance solutions serving retail annuity and life customers and institutional clients, today reported financial results for the fourth quarter and full year ended December 31, 2025. Net earnings attributable to common shareholders for the fourth quarter were $124 million, or $0.92 per diluted share (per share), compared to $323 million, or $2.50 per share, for the fourth quarte ...

Company to Host Quarterly Conference Call at 5:00 P.M. ET on February 19, 2026The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website at investors.amcoastal.com/events-and-presentations. ST. PETERSBURG, Fla., Feb. 19, 2026 (GLOBE NEWSWIRE) -- February 19, 2026: American Coastal Insurance Corporation (Nasdaq: ACIC) ("ACIC" or the "Company"), a property and casualty insurance holding company, today reported its financial res ...

Core Insights - Employers Holdings, Inc. reported financial results for the full year and fourth quarter of 2025, highlighting challenges and strategic responses to increased claim frequency in California [1][2]. Full-Year 2025 Financial Highlights - Net income decreased to $10.8 million ($0.46 per diluted share) from $118.6 million ($4.71 per diluted share) in 2024 [3]. - Adjusted net income was $21.8 million ($0.93 per diluted share), down from $94.0 million ($3.73 per diluted share) [3]. - Gross premiums written totaled $756.1 million, a decline from $776.3 million [3]. - Net premiums earned increased to $761.9 million from $749.5 million [3]. - The loss and LAE ratio rose to 76.4% from 60.9% [3]. - The GAAP combined ratio was 110.9%, compared to 97.9% in the previous year [3]. Fourth Quarter 2025 Financial Highlights - Net loss was $(23.4) million ($(1.06) per diluted share), compared to a profit of $28.3 million ($1.14 per diluted share) in Q4 2024 [3]. - Adjusted net income for the quarter was $14.5 million ($0.66 per diluted share), down from $28.7 million ($1.15 per diluted share) [3]. - Gross premiums written were $156.8 million, an 11% decrease from $176.3 million [7]. - Net investment income increased by 18% to $31.4 million from $26.7 million [11]. - The GAAP combined ratio for the quarter was 106.1%, compared to 95.5% in Q4 2024 [3]. CEO Commentary - CEO Katherine Antonello emphasized the company's resilience and strategic actions taken to address increased claim frequency, which are expected to lead to a return to historical profitability levels [2][4]. Strategic Developments - The company launched a new excess workers' compensation product, leveraging AI for innovation and customer expansion [5]. - Employers Holdings returned $215.4 million to shareholders through share repurchases and dividends, reflecting confidence in financial strength [6]. Investment Performance - Net investment income for the year increased by 9% to $116.7 million from $107.0 million [3]. - The company experienced net realized and unrealized losses on investments of $(20.4) million, compared to gains of $24.1 million in 2024 [3]. Shareholder Returns - The company repurchased 2,368,845 shares at an average price of $40.94 per share during Q4 2025 [15]. - A first-quarter dividend of $0.32 per share was declared, payable on March 18, 2026 [16].