分组1 - Employers Holdings (EIG) reported quarterly earnings of $0.66 per share, exceeding the Zacks Consensus Estimate of $0.41 per share, but down from $1.15 per share a year ago, representing an earnings surprise of +60.98% [1] - The company posted revenues of $170.5 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 21.24%, compared to year-ago revenues of $216.6 million [2] - Employers Holdings shares have underperformed the market, losing about 2.3% since the beginning of the year, while the S&P 500 gained 0.5% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $0.36 on revenues of $217.41 million, and for the current fiscal year, it is $1.93 on revenues of $877.28 million [7] - The Zacks Industry Rank for Insurance - Accident and Health is currently in the bottom 35% of over 250 Zacks industries, indicating potential challenges for stock performance [8] - Employers Holdings has a Zacks Rank 3 (Hold), suggesting that the shares are expected to perform in line with the market in the near future [6]

Core Viewpoint - Trupanion reported quarterly earnings of $0.13 per share, missing the Zacks Consensus Estimate of $0.14 per share, but showing an increase from $0.04 per share a year ago [1][2] Earnings Performance - The earnings surprise for the quarter was -9.72%, while the previous quarter saw a positive surprise of +116.67% when actual earnings were $0.13 compared to an expected $0.06 [2] - Over the last four quarters, Trupanion has surpassed consensus EPS estimates three times [2] Revenue Performance - Trupanion's revenues for the quarter ended December 2025 were $376.85 million, exceeding the Zacks Consensus Estimate by 0.28% and up from $337.31 million year-over-year [3] - The company has topped consensus revenue estimates four times over the last four quarters [3] Stock Performance and Outlook - Trupanion shares have declined approximately 13.5% since the beginning of the year, contrasting with the S&P 500's gain of 1.4% [4] - The future performance of the stock will largely depend on management's commentary during the earnings call [4] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.08 on revenues of $377.47 million, and for the current fiscal year, it is $0.51 on revenues of $1.58 billion [8] - The estimate revisions trend for Trupanion was favorable ahead of the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [7] Industry Context - The Insurance - Accident and Health industry, to which Trupanion belongs, is currently in the top 36% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [9]

分组1 - Globe Life reported quarterly earnings of $3.39 per share, missing the Zacks Consensus Estimate of $3.44 per share, but showing an increase from $3.14 per share a year ago, resulting in an earnings surprise of -1.31% [1] - The company posted revenues of $1.52 billion for the quarter ended December 2025, which was below the Zacks Consensus Estimate by 0.73%, and an increase from $1.46 billion year-over-year [2] - Over the last four quarters, Globe Life has surpassed consensus EPS estimates two times but has not beaten consensus revenue estimates [2] 分组2 - The stock has gained approximately 2.7% since the beginning of the year, outperforming the S&P 500's gain of 1.1% [3] - The current consensus EPS estimate for the coming quarter is $3.52 on revenues of $1.56 billion, and for the current fiscal year, it is $15.04 on revenues of $6.35 billion [7] - The Zacks Industry Rank for Insurance - Accident and Health is currently in the bottom 30% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

分组1 - Aflac reported quarterly earnings of $1.57 per share, missing the Zacks Consensus Estimate of $1.71 per share, representing an earnings surprise of -8.10% [1] - The company posted revenues of $4.87 billion for the quarter, surpassing the Zacks Consensus Estimate by 8.70%, compared to year-ago revenues of $4.31 billion [2] - Aflac has surpassed consensus EPS estimates two times over the last four quarters and topped consensus revenue estimates three times during the same period [2] 分组2 - The current consensus EPS estimate for the coming quarter is $1.79 on revenues of $4.44 billion, and for the current fiscal year, it is $7.36 on revenues of $17.55 billion [7] - The Zacks Industry Rank for Insurance - Accident and Health is currently in the bottom 30% of over 250 Zacks industries, indicating potential underperformance compared to higher-ranked industries [8] - Aflac shares have added about 1.6% since the beginning of the year, outperforming the S&P 500's gain of 1.1% [3]

Core Viewpoint - Amerisafe's recent earnings report indicates a mixed performance with adjusted earnings per share meeting estimates but showing a year-over-year decline, while operating revenues improved slightly but missed consensus expectations [2][4]. Financial Performance - Adjusted earnings per share for Q3 2025 were 55 cents, matching the Zacks Consensus Estimate, but down 5.2% from the previous year [2]. - Operating revenues increased by 4% year over year to $78 million, although this was 0.5% below the consensus estimate [2]. - Net premiums earned rose 6.2% year over year to $71.2 million, driven by strong policy retention and new business growth, but fell short of the Zacks Consensus Estimate of $72 million [4]. - Net investment income decreased by 12.3% year over year to $6.6 million due to reduced investable assets following a special dividend [4]. - Total expenses increased by 5.9% year over year to $64.5 million, attributed to higher loss and adjustment expenses [5]. Underwriting and Ratios - The net combined ratio improved by 30 basis points to 90.6%, meeting the consensus mark, supported by better underwriting expense ratios [6]. - Pre-tax underwriting profit was reported at $6.7 million, reflecting a 9.1% year-over-year increase [5]. Financial Position - As of September 30, 2025, cash and cash equivalents stood at $54.7 million, up 24.3% from the end of 2024 [7]. - Total assets reached $1.2 billion, a slight increase of 0.6% from the end of 2024 [7]. - Shareholders' equity decreased by 6.8% to $274.8 million, with book value per share at $14.47, down 12.3% year over year [7]. Capital Management - Amerisafe repurchased common shares worth $1.3 million in Q3 2025, with a remaining repurchase capacity of $24.9 million [8]. - The company announced a quarterly cash dividend of 39 cents per share and a special cash dividend of $1.00 per share, both payable on December 12, 2025 [9]. Market Outlook - Estimates for Amerisafe have trended downward over the past month, indicating a potential shift in market sentiment [10][12]. - The company holds a Zacks Rank 3 (Hold), suggesting an expectation of in-line returns in the coming months [12]. Industry Comparison - Amerisafe operates within the Zacks Insurance - Accident and Health industry, where competitor Globe Life reported a revenue increase of 4.1% year over year, with an EPS of $4.81 compared to $3.49 a year ago [13].

Company Performance - Trupanion reported quarterly earnings of $0.13 per share, exceeding the Zacks Consensus Estimate of $0.06 per share, and up from $0.03 per share a year ago, indicating a significant improvement [1] - The earnings surprise for the quarter was +116.67%, following a previous quarter where the company reported earnings of $0.22 per share against an expected loss of $0.03, resulting in a surprise of +833.33% [2] - The company achieved revenues of $366.92 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.58% and up from $327.46 million year-over-year [3] Future Outlook - The sustainability of Trupanion's stock price movement will largely depend on management's commentary during the earnings call and future earnings expectations [4] - Current consensus EPS estimate for the upcoming quarter is $0.10 on revenues of $369.2 million, and for the current fiscal year, it is $0.35 on revenues of $1.43 billion [8] - The estimate revisions trend for Trupanion was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [7] Industry Context - The Insurance - Accident and Health industry, to which Trupanion belongs, is currently ranked in the bottom 26% of over 250 Zacks industries, suggesting potential challenges ahead [9]

Core Insights - Aflac reported quarterly earnings of $2.49 per share, exceeding the Zacks Consensus Estimate of $1.80 per share, and showing an increase from $2.16 per share a year ago, resulting in an earnings surprise of +38.33% [1] - The company generated revenues of $4.74 billion for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 5.59%, and significantly up from $2.95 billion year-over-year [2] - Aflac's stock has underperformed the market with a gain of about 3.4% since the beginning of the year, compared to the S&P 500's gain of 16.5% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.70 on revenues of $4.47 billion, and for the current fiscal year, it is $6.91 on revenues of $17.81 billion [7] - The estimate revisions trend for Aflac was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Insurance - Accident and Health industry, to which Aflac belongs, is currently ranked in the top 39% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

分组1 - Employers Holdings (EIG) reported a quarterly loss of $1.1 per share, significantly missing the Zacks Consensus Estimate of $0.61, and down from earnings of $0.81 per share a year ago, representing an earnings surprise of -280.33% [1] - The company posted revenues of $239.3 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 11.36%, and up from $224 million in the same quarter last year [2] - Employers Holdings shares have declined approximately 21.4% year-to-date, contrasting with the S&P 500's gain of 17.2% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.61 on revenues of $215.71 million, and for the current fiscal year, it is $2.55 on revenues of $879.5 million [7] - The Zacks Industry Rank for Insurance - Accident and Health is currently in the bottom 33% of over 250 Zacks industries, indicating potential challenges for stocks in this sector [8] 分组3 - The estimate revisions trend for Employers Holdings was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold), suggesting the stock is expected to perform in line with the market in the near future [6]

Core Insights - Amerisafe reported quarterly earnings of $0.55 per share, matching the Zacks Consensus Estimate, but down from $0.58 per share a year ago [1] - The company posted revenues of $77.86 million for the quarter, missing the Zacks Consensus Estimate by 0.53%, and up from $74.66 million year-over-year [2] - Amerisafe shares have declined approximately 21.2% year-to-date, contrasting with the S&P 500's gain of 17.2% [3] Earnings Performance - The company has surpassed consensus EPS estimates two times over the last four quarters [1] - The earnings outlook for Amerisafe is uncertain, with current consensus EPS estimates at $0.58 for the upcoming quarter and $2.25 for the current fiscal year [7] Estimate Revisions and Market Position - The trend for estimate revisions prior to the earnings release was unfavorable, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] - The Insurance - Accident and Health industry is currently ranked in the bottom 34% of over 250 Zacks industries, suggesting potential challenges for stocks in this sector [8]

Core Viewpoint - Globe Life reported quarterly earnings of $4.81 per share, exceeding the Zacks Consensus Estimate of $4.54 per share, and showing an increase from $3.49 per share a year ago, representing an earnings surprise of +5.95% [1][2] Financial Performance - The company posted revenues of $1.52 billion for the quarter ended September 2025, which was slightly below the Zacks Consensus Estimate by 0.12%, and an increase from $1.46 billion year-over-year [2] - Over the last four quarters, Globe Life has surpassed consensus EPS estimates three times but has not beaten consensus revenue estimates during the same period [2] Stock Performance - Globe Life shares have increased approximately 22% since the beginning of the year, outperforming the S&P 500's gain of 14.5% [3] Future Outlook - The company's earnings outlook is crucial for investors, including current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The current consensus EPS estimate for the next quarter is $3.57 on revenues of $1.54 billion, and for the current fiscal year, it is $14.43 on revenues of $6.04 billion [7] Industry Context - The Insurance - Accident and Health industry, to which Globe Life belongs, is currently ranked in the bottom 33% of over 250 Zacks industries, indicating potential challenges ahead [8]