Core Insights - Root Insurance is an app-based auto insurer that primarily determines policy pricing based on driving behavior through a mobile app driving test, which may lead to competitive rates for good drivers but higher costs for others, with some applicants potentially not receiving quotes at all [1][2] Group 1: Company Overview - Root operates in over 35 states and provides a digital-first experience, but it has higher-than-average complaint levels according to the NAIC and a C grade from the CRASH Network, along with limited coverage options compared to larger insurers [2] - The average monthly cost for full coverage with Root is $224, making it one of the most expensive options available, tied with AAA of Southern California [10][11] - Root's basic liability coverage costs about $133 per month, which is $20 more than the average and $44 more than the cheapest competitor, American Family [12] Group 2: Coverage and Discounts - Root offers various types of coverage, including liability, comprehensive, collision, roadside assistance, and personal injury protection, among others [14] - The company provides 12 different discounts, with significant savings available for safe and low-mileage drivers, potentially up to $900 annually [15][16] - Notably, Root does not offer accident forgiveness or new car replacement coverage, which may be a drawback for some consumers [9][22] Group 3: Customer Satisfaction and Claims Process - Root has a 4.2 rating on Trustpilot, indicating positive customer experiences, but it has a higher-than-average complaint ratio and did not appear in J.D. Power's customer satisfaction surveys [8][22] - The claims process is streamlined through the mobile app, allowing users to file claims in about three minutes, although the speed of claim payouts can vary based on complexity [17][19][20]

Core Insights - Brown & Brown, Inc. (BRO) reported fourth-quarter 2025 adjusted earnings of 93 cents per share, exceeding the Zacks Consensus Estimate by 2.1%, with an 8.1% year-over-year increase in earnings [1] - Total revenues for the quarter were $1.6 billion, missing the Zacks Consensus Estimate by 2.1%, but reflecting a 35.7% year-over-year improvement [2] - The growth in revenues was primarily driven by a 36% increase in commission and fees, which reached $1.6 billion, alongside a 17.3% rise in investment and other income [2][3] - Organic revenues, however, declined by 2.8% to $1 billion during the quarter [2] Financial Performance - Adjusted EBITDAC for the quarter was $529 million, marking a 35.6% year-over-year increase, with the EBITDAC margin remaining stable at 32.9% [3] - Total expenses rose by 41.4% to $1.29 billion, attributed to increased employee compensation, operating expenses, and other costs [3] - For the full year, adjusted earnings were $4.26 per share, slightly missing the Zacks Consensus Estimate by 0.2%, but showing a 10.9% year-over-year increase [4] - Total revenues for the year reached $5.9 billion, also missing estimates by 0.6%, but reflecting a 22.8% year-over-year growth [4] - Organic revenues increased by 2.8% for the full year [4] Cash and Debt Position - At the end of 2025, Brown & Brown had cash and cash equivalents of $1 billion, a 60% increase from the end of 2024 [5] - Long-term debt stood at $6.8 billion, up 91.5% from the previous year [5] - Net cash provided by operating activities in 2025 was $1.4 billion, representing a 23.5% year-over-year increase [5] Capital Deployment - The board of directors declared a quarterly cash dividend of 16.5 cents per share, scheduled for payment on February 11, 2026 [6]

Core Viewpoint - Analysts expect Axis Capital (AXS) to report quarterly earnings of $2.97 per share, indicating no change from the previous year, with revenues projected at $1.64 billion, reflecting a 3.5% increase year-over-year [1]. Earnings Estimates - There have been no revisions in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [1][2]. - The consensus estimate for 'Net premiums earned' is $1.43 billion, suggesting a year-over-year increase of 4% [4]. - Analysts project 'Net investment income' to reach $197.85 million, indicating a 1.1% increase from the previous year [4]. Key Metrics Projections - The average estimate for 'Net Premiums Earned - Reinsurance Segment' is $375.41 million, reflecting a 7% year-over-year increase [5]. - The 'Acquisition Cost Ratio - Total' is projected to be 18.6%, down from 20.1% in the same quarter last year [5]. - The 'Net loss and loss expense ratio - Insurance' is expected to be 63.5%, up from 58.8% in the previous year [6]. Combined Ratios - The 'Combined Ratio - Insurance' is estimated at 94.4%, compared to 91.2% in the same quarter last year [6]. - The consensus for 'Combined Ratio - Reinsurance' stands at 103.0%, up from 90.9% in the previous year [7]. - The 'Combined Ratio - Total' is projected to be 91.3%, down from 94.2% in the same quarter last year [8]. Stock Performance - Over the past month, shares of Axis Capital have decreased by 5.5%, while the Zacks S&P 500 composite has increased by 0.4% [8]. - Axis Capital currently holds a Zacks Rank 3 (Hold), suggesting its performance may align with the overall market in the near future [8].

Core Viewpoint - Analysts project that The Hartford Insurance Group (HIG) will report quarterly earnings of $3.17 per share, reflecting a year-over-year increase of 7.8%, with revenues expected to reach $5.14 billion, up 7.4% from the same quarter last year [1]. Earnings Estimates - The consensus EPS estimate has been revised upward by 0.4% in the past 30 days, indicating a reassessment by covering analysts [2]. - Changes in earnings estimates are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate revisions and short-term stock performance [3]. Revenue Projections - The consensus estimate for 'Revenue- Earned Premium- Personal Insurance' is $946.67 million, indicating a 4.5% increase year-over-year [5]. - Analysts expect 'Revenue- Property & Casualty- Earned Premium' to reach $4.53 billion, reflecting a 7.6% year-over-year change [5]. - The estimated 'Revenue- Property and Casualty- Net investment income' is projected at $585.46 million, showing a 4.2% increase year-over-year [6]. - 'Revenue- Net premiums earned' is expected to be $6.16 billion, indicating a 6% increase from the prior-year quarter [7]. - The average prediction for 'Revenue- Hartford Funds - Total' is $283.00 million, representing a 4.1% increase from the year-ago quarter [8]. Key Metrics - The 'Personal Insurance - Loss and loss adjustment expense ratio' is expected to be 64.0%, up from 59.3% in the same quarter last year [8]. - The 'Personal Insurance - Expense ratio' is forecasted to remain at 26.5%, consistent with the previous year's figure [9]. - The 'Personal Insurance - Combined ratio' is projected at 90.5%, compared to 85.8% in the same quarter of the previous year [9]. - The 'Personal Insurance - Underlying combined ratio' is estimated to be 89.5%, slightly improved from 90.2% a year ago [10]. Stock Performance - Shares of The Hartford Insurance Group have shown a return of -5.8% over the past month, contrasting with the Zacks S&P 500 composite's +0.4% change [11].

After ending the previous session mostly higher, stocks may see further upside in early trading on Tuesday. The major index futures are currently pointing to a higher open for the , with the S&P 500 futures up by 0.3 percent.Tech stocks may help to lead an early advance on Wall Street, as reflected by the 0.6 percent increase by the tech-heavy Nasdaq 100 futures.Traders remain optimistic ahead of the release of earnings news from big-name tech companies like Apple (AAPL), Meta Platforms (META) and Microsof ...

Core Insights - UnitedHealth Group reported fourth-quarter and full-year 2025 earnings that slightly missed analyst expectations [1] - The company provided guidance for the upcoming year indicating an approximate 2% decline year-over-year [1] - The decline is attributed to right-sizing efforts and a payment increase for Medicare Advantage plans in 2027 that was significantly lower than anticipated [1]

Core Viewpoint - W R Berkley Corp reported in-line earnings for Q4, with sales exceeding estimates, indicating stable performance despite a slight decline in share price [1] Financial Performance - The company posted quarterly earnings of $1.13 per share, matching analyst consensus estimates [1] - Quarterly sales reached $3.721 billion, surpassing the analyst consensus estimate of $3.661 billion [1] Stock Performance - Following the earnings announcement, W R Berkley shares fell by 0.4%, closing at $63.83 [1] Analyst Ratings and Price Targets - B of A Securities analyst Joshua Shanker maintained a Neutral rating on W R Berkley and lowered the price target from $69 to $66 [2] - Mizuho analyst Yaron Kinar also maintained a Neutral rating and cut the price target from $69 to $67 [2]

Core Viewpoint - Lemonade is set to announce its fourth quarter 2025 financial results on February 19, 2026, and will host a conference call to discuss these results, highlighting its ongoing commitment to transparency and shareholder engagement [1]. Company Overview - Lemonade operates as a digital insurance company offering various insurance products including renters, homeowners, car, pet, and life insurance, utilizing artificial intelligence and a social impact model [1][2]. - The company is a Certified B-Corp, donating unused premiums to selected nonprofits during its annual Giveback event, emphasizing its commitment to social responsibility [1]. Financial Results Announcement - The financial results for the fourth quarter of 2025 will be released prior to market opening on February 19, 2026, with a conference call scheduled for 8:00 AM Eastern Time [1]. - Shareholders will have the opportunity to submit questions for the Q&A session starting February 12, 2026, enhancing interactive communication [1]. Product Launch - Lemonade has launched a new product, Lemonade Autonomous Car insurance, specifically designed for self-driving cars, starting with Tesla's Full Self-Driving (FSD) feature [2]. - This new insurance offering reduces per-mile rates for FSD-engaged driving by approximately 50%, reflecting a significant decrease in risk during autonomous operation [2].

ATLANTA--(BUSINESS WIRE)--Assurant, Inc. (NYSE: AIZ), a premier global protection company that safeguards and services connected devices, homes, and automobiles in partnership with the world's leading brands, today announced the launch of F&I On Demandâ"¢, a virtual staffing solution designed to help auto dealerships address personnel shortages in finance and insurance (F&I) departments. As dealerships manage hiring, training, and staffing challenges, F&I On Demand is a patent-pending. ...

© 2026 Brown & Brown, Inc. All rights reserved. 1 Information Regarding Non-GAAP Measures This presentation contains references to "non-GAAP financial measures" as defined in SEC Regulation G, consisting of Organic Revenue, EBITDAC, EBITDAC Margin, EBITDAC - Adjusted, EBITDAC Margin - Adjusted, Income Before Income Taxes - Adjusted, Income Before Income Taxes Margin - Adjusted, Net Income Attributable To The Company - Adjusted and Diluted Net Income Per Share - Adjusted. We present these measures because we ...