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 ...

Usage-based insurance can be a good option if you’re a safe, low-mileage driver. But some insurers can raise your rate if your driving habits are considered risky. To help you find the best usage-based (UBI) car insurance, Yahoo Finance analyzed 20 major insurers based on six key factors: UBI enrollment discount, maximum UBI discount savings, whether risky driving with UBI can raise your premium, rate competitiveness, and overall coverage and discount options. Below are the companies that topped our ranki ...

Almost a third of industry insiders in a GlobalData poll felt the greatest challenge in the next couple of years will come from insurtechs, ahead of existing competitors, Big Tech providers, banks, and new players. Insurtechs have generally been collaborative with leading insurers. The industry has extremely high barriers to entry due to regulation, lack of brand recognition and trust, and the need for large amounts of liquid money. Insurtechs have often not challenged insurers on underwriting policies bu ...

Achieved record gross profit of $111,000,000, a 73% year-over-year increase, driven by nine consecutive quarters of accelerating top-line growth and improving unit economics. Narrowed adjusted EBITDA loss to $5,000,000, representing a $19,000,000 improvement over the prior year as the business nears GAAP profitability. Generated $37,000,000 in positive adjusted free cash flow, marking the second consecutive year of swelling cash reserves due to insurance cash flows preceding GAAP accounting recognitio ...

Key Takeaways Radian Group beat Q4 estimates with EPS of $1.16 and revenue of $302 million.RDN saw MI's new insurance written surge 20.2% to $15.9B, boosting premiums.RDN returned $576M in 2025 as book value rose 12.6% to $35.29 per share.Radian Group Inc. (RDN) reported fourth-quarter 2025 adjusted operating income of $1.16 per share, which beat the Zacks Consensus Estimate by 4.5%. The bottom line improved 2.7% year over year.Operating revenues increased 0.8% year over year to $302 million, driven by high ...

Radian Group (NYSE:RDN) Q4 2025 Earnings call February 19, 2026 11:00 AM ET Company ParticipantsBob Lally - VP of FinanceBose George - Managing DirectorDan Kobell - Senior Executive Vice President and Interim CFORick Thornberry - CEOConference Call ParticipantsMihir Bhatia - Director and Senior Equity Research AnalystTerry Ma - Director and Equity Research AnalystOperatorToday, and thank you for standing by. Welcome to the fourth quarter 2025 Radian Group conference call. At this time, all participants are ...