四是强保障。节假日期间金融机构将保障适量网点营业，满足群众基础金融服务需求。同时推进消费场 景支付便利化，注重满足老年人、外籍来华人员等群体支付需求。保险机构将针对购物餐饮、旅游出 行、体育运动等消费场景开发新产品，优化承保理赔服务。 在回应金融机构如何支持"乐购新春"活动及保护消费者权益时，郭武平指出，金融机构是活动的重要参 与者，扩内需促消费是金融服务实体经济的重要内容，也是金融工作政治性、人民性的具体体现。金融 机构将聚焦不同消费方式提供有针对性的服务： 在商品消费领域，要求金融机构加大个人消费贷款投放，合理确定贷款发放比例、期限、利率，积极支 持汽车、家电、家装等耐用消费品以旧换新，进一步发挥车险好投保平台、二手车信息服务平台的功 能，加快推进保险车型综合分级制度建设，有力促进汽车消费。 在服务消费领域，坚持促消费和惠民生有机结合，更好满足养老健康等服务消费需求，鼓励开发兼具养 老风险保障和财富管理功能的商业保险年金产品，支持开发惠及慢病患者、老年人等群体的商业医疗保 险。同时，大力推动商业长期护理保险发展。围绕文旅、体育、娱乐、教育等领域优化金融服务模式， 促进激发改善型服务消费活力。 21世纪经济 ...

AmTrust International, a global specialty insurer and subsidiary of AmTrust Financial Services, Inc., has strengthened its presence in the Australian market with the launch of its APRA licensed entity ‘AmTrust Specialty Limited’ in the country.The insurer’s decision to establish a licensed presence in Australia is a key part of its long-term strategy, demonstrating a commitment to scaling its operations and effectively competing in the market.AmTrust International has observed a steady demand for its Legal ...

February 10, 2026 09:00 PM GMT China Equity Strategy | Asia Pacific 4Q25 Pre-Announcements: A- share Deterioration Driven by Mid- and Small-Caps, While MSCI China Remained Resilient As of February 6, 2026, 2,834 A-share companies (~55% of all A-share listings, ~38% by market cap) had released 4Q25 pre-announcements, with a major deterioration, marking the worst quarter in 2025, mainly dragged by mid- and small- cap names: For MSCI China universe (based on 131 alerts, representing 23% by number of companies ...

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Group 1 - The article does not provide any relevant content regarding company or industry insights [1]

Core Viewpoint - Rising fears about artificial intelligence (AI) are negatively impacting the stock prices of companies perceived to be at risk, including both small software firms and large wealth-management companies [1][2]. Market Reaction - A recent selloff was triggered by a tax-strategy tool from Altruist Corp., causing shares of Charles Schwab Corp., Raymond James Financial Inc., and LPL Financial Holdings Inc. to drop by 7% or more [1]. - This decline represents the most significant drop for these stocks since the trade-war market meltdown in April [2]. Investor Sentiment - Investors are shifting from identifying potential winners in the AI space to avoiding companies that may be displaced by AI advancements [5]. - The mood among investors has changed dramatically, with a focus on potential disruption rather than growth opportunities [4][5]. Industry Impact - The software industry has been particularly affected, with fears of AI disruption spreading to financial services, asset management, and legal services [6]. - New AI tools have led to significant stock declines across various sectors, including a notable impact on US insurance brokers following the launch of an application by Insurify [7]. Competitive Threats - Altruist's CEO noted the unexpected scale of the market's reaction, indicating a strong signal regarding the competitive threat posed by AI in wealth management [8]. - The architecture used to build Altruist's product, Hazel, is seen as capable of replacing traditional jobs in wealth management, which typically require entire teams [9]. Broader AI Adoption - Companies like OpenAI and Anthropic are making strides in software engineering and are beginning to penetrate other industries [9]. - There are ongoing questions about how quickly and effectively AI technology will be adopted across various sectors, including banking [10]. Valuation Concerns - The recent pullbacks in stock prices may reflect broader anxieties about inflated valuations resulting from the AI spending boom and a resilient US economy [11]. - Investors are becoming increasingly sensitive to negative market signals, leading to significant sell-offs in response to perceived risks [12]. Future Outlook - Some industry experts believe that concerns about AI's disruptive potential may be premature, as the market is still in the early stages of understanding AI's long-term implications [13].

Core Insights - NMI Holdings (NMIH) reported a revenue of $180.74 million for Q4 2025, marking an 8.6% year-over-year increase and exceeding the Zacks Consensus Estimate of $178.97 million by 0.99% [1] - The company's EPS for the same quarter was $1.20, up from $1.07 a year ago, and also surpassed the consensus EPS estimate of $1.17 by 2.35% [1] Financial Performance Metrics - Insurance-in-force (IIF) reached $221.45 billion, exceeding the average estimate of $218.97 billion from three analysts [4] - Risk-in-force (RIF) was reported at $59.31 billion, above the estimated $57.84 billion [4] - The combined ratio stood at 34.3%, slightly better than the average estimate of 34.8% [4] - The loss ratio was 13.9%, compared to the average estimate of 13.7% [4] - The expense ratio was reported at 20.4%, lower than the average estimate of 21.1% [4] - Net investment income was $27.53 million, exceeding the average estimate of $25.22 million, reflecting a year-over-year increase of 21.2% [4] - Net premiums earned were $152.46 million, slightly below the estimated $153.38 million, but still showing a 6.2% increase compared to the previous year [4] - Other revenues were reported at $0.26 million, matching the average estimate and indicating a 12.9% year-over-year increase [4] Stock Performance - NMI Holdings' shares have returned +1.6% over the past month, while the Zacks S&P 500 composite remained unchanged [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Core Insights - American International Group (AIG) reported $6.95 billion in revenue for Q4 2025, a year-over-year increase of 1.4% [1] - The earnings per share (EPS) for the same period was $1.96, compared to $1.30 a year ago, exceeding the consensus estimate of $1.89 by 3.54% [1] - The revenue fell short of the Zacks Consensus Estimate of $7.1 billion, resulting in a surprise of -2.22% [1] Financial Performance Metrics - General Insurance - North America Commercial reported a loss ratio of 59.7%, better than the estimated 65.7% [4] - General Insurance - International Commercial had a combined ratio of 88.8%, slightly worse than the estimated 86.4% [4] - General Insurance - North America Commercial's combined ratio was 84.7%, outperforming the estimated 88.5% [4] - General Insurance - International Commercial's expense ratio was 31.7%, higher than the estimated 30.6% [4] - Total net investment income was $872 million, significantly below the estimated $1 billion, reflecting a year-over-year decline of 33.6% [4] - General Insurance - North America Commercial net premiums earned were $2.17 billion, slightly below the estimated $2.19 billion [4] - General Insurance - International Commercial net premiums earned were $2.22 billion, exceeding the estimated $2.15 billion [4] - General Insurance - Global Personal net premiums earned were $1.6 billion, in line with the estimated $1.59 billion [4] - General Insurance net investment income was $881 million, close to the average estimate of $881.82 million, showing a year-over-year increase of 13.1% [4] - General Insurance net premiums earned totaled $5.99 billion, slightly above the estimated $5.93 billion, representing a year-over-year change of 0.3% [4] Stock Performance - AIG shares returned +1.1% over the past month, while the Zacks S&P 500 composite remained unchanged [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]

Core Insights - Oscar Health reported an EPS of -$1.24, missing the consensus estimate of -$0.84, and revenue of $2.81 billion, below the Zacks Consensus Estimate of $3.21 billion [1][2] - The company's EPS of -$1.24 represents a decline from the previous year's -$0.62, resulting in an EPS surprise of -47.62% [2] - Despite exceeding consensus EPS estimates three times in the past four quarters, the current results highlight ongoing challenges faced by the company [2] Financial Metrics - Oscar Health has a debt-to-equity ratio of 0.72, indicating moderate leverage [1][3] - The current ratio stands at 0.95, suggesting potential liquidity issues [1][3] - The price-to-sales ratio is 0.26 and the enterprise value to sales ratio is 0.19, indicating a relatively low valuation compared to its sales [3] - The negative P/E ratio of -14.22 and earnings yield of -7.03% reflect ongoing losses [3] Market Position and Challenges - Oscar Health leverages technology to simplify healthcare but faces significant competition within the insurance industry [2] - High utilization of medical services by plan enrollees is impacting the company's financial performance [2] - Despite current challenges, Oscar Health remains optimistic about achieving profitability within the year [2]

Core Insights - The decrease in the insurance company's performance was mainly attributed to changes in unrealized losses related to AIG's ownership interest in Corebridge Financial [1] - Additionally, there was a gain from the divestiture of its global personal travel business in the previous year, which also impacted the financial results [1]