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].

Core Insights - The Franklin International Dividend Booster Index ETF (XIDV) has outperformed the iShares Core MSCI EAFE ETF (IEFA) with a year-to-date return of 8.95% compared to IEFA's 8.75% [1] - XIDV's performance advantage is attributed to its rules-based dividend optimization framework, which focuses on higher-yielding, lower-volatility market segments [1] - The ETF's strategy aims to provide a dividend yield two to three times that of its parent index without using leverage or derivatives [1] Performance and Strategy - XIDV employs a three-stage optimization process to maximize dividend yield while controlling volatility and limiting concentration risk [1] - The ETF has minimal exposure to technology (~0.14%), contrasting with IEFA's significant tech weight, and instead focuses on sectors like European utilities, UK insurers, and Nordic banks [1] - The top holdings of XIDV include high-quality companies known for substantial dividend payouts, such as Carrefour SA (2.61%) and Engie SA (2.70%) [1] Income and Geographic Exposure - XIDV manages approximately $62 million in assets and has an expense ratio of 0.19%, offering a dividend yield around 6.7%, nearly double IEFA's ~3.5% yield [1] - The ETF includes about 7% Canadian exposure, benefiting from strong Canadian financials and energy sectors [1] - The structural edge of XIDV in emphasizing high dividend yield while maintaining volatility discipline is expected to remain relevant in the current market environment [1]

(Bloomberg) --Zurich Insurance Group AG's profit rose to a record in 2025, giving Chief Executive Officer Mario Greco a tailwind as he pursues the acquisition of Beazley Plc.Processing ContentGroup operating profit rose to $8.9 billion in the year, the company said, beating the $8.8 billion consensus analyst estimate. Net income jumped 17% from a year earlier to $6.8 billion, according to a statement on Thursday.  Earlier this month the Swiss insurer made an £8 billion ($11 billion) bid to buy Beazley Plc, ...

Chubb Appoints Scott Henck Global Chief Actuary [Accessibility Statement] Skip NavigationCynthia Bentley promoted to succeed Henck as North America Chief Actuary; Paul O'Connell to RetireZURICH, Feb. 19, 2026 /PRNewswire/ -- Chubb Limited (NYSE: CB) today announced that Scott Henck, Executive Vice President and Chief Actuary, North America, has been appointed Senior Vice President, Chubb Group and Chief Actuary. He succeeds Paul O'Connell, who is retiring after a 40-year career in the property and casualty ...

Shares of Lemonade (NYSE: LMND) started Thursday's trading on a sweet note, opening the day 13.9% above Wednesday's closing price. But the buzz didn't last long. 90 minutes later, Lemonade was down 6.8% instead. As of this writing at 12:35 p.m. ET, the stock had settled at a 5.5% price drop. The chief reason for this drama was a spectacular earnings report paired with lofty valuation multiples. Lemonade's Q4 was almost too good In Q4 2025, Lemonade's in-force premium rose 31% year over year to $1.24 bil ...