Group 1 - Chubb Limited will hold its first quarter earnings conference call on April 22, 2026, at 8:30 a.m. Eastern [1] - The company plans to issue its first quarter earnings release and financial supplement after market close on April 21, 2026 [2] - The earnings conference call will be available via live webcast and by phone, with a replay accessible after the call [3] Group 2 - Chubb is a leading global insurance provider with operations in 54 countries, offering a wide range of insurance products and services [4] - The company employs approximately 45,000 people worldwide and is listed on the New York Stock Exchange as a component of the S&P 500 index [4]

Company Overview - Marsh & McLennan Companies, Inc. (MRSH) has a market cap of $84.1 billion and is a leading global professional services company providing insurance brokerage, reinsurance, risk management, and consulting services through its major brands [1] - The company operates in over 130 countries and is recognized for its diversified, fee-based business model and strong presence in risk and advisory services [1][2] Financial Performance - MRSH is currently trading 29.9% below its 52-week high of $248 and has seen a decline of 7.2% over the past three months, which is better than the State Street Financial Select Sector SPDR Fund's (XLF) 9.8% fall [3] - Over the past six months, MRSH has decreased by 11.7%, underperforming XLF's 8% returns, and has plunged 25% over the past 52 weeks, while XLF gained 1.6% during the same period [4] Market Position and Strategy - The company is leveraging broad geographic diversification and a solid financial foundation, while prioritizing innovation through data analytics and AI to enhance its offerings [2] - MRSH maintains a strong client-first approach, which supports high retention rates and enduring relationships [2] Competitive Landscape - In the competitive insurance brokerage arena, Aon plc (AON), MRSH's top rival, has declined 18.1% over the past 52 weeks and 8.4% over the past six months [6] Analyst Sentiment - Wall Street analysts have a consensus rating of "Moderate Buy" for MRSH, with a mean price target of $208.28, indicating a potential premium of 19.9% from current market prices [7]

Core Viewpoint - Essent Group Ltd. is identified as one of the 13 Deep Value Stocks to buy currently [1] Group 1: Financial Performance - Bank of America raised its target price for Essent Group by 3.0% to $68, maintaining a Buy recommendation after adjusting FY26 and FY27 earnings per share forecasts following Q4 results [2] - Essent's Q4 2025 earnings reported diluted earnings per share of $1.60 and net revenue of $312.40 million, both slightly below Bank of America and street consensus estimates [2] - The company wrote $11.8 billion in new insurance policies in Q4 2025, with an average base premium earned of 41 basis points, equating to $4.1 in annual premium for every $1,000 insured [4] Group 2: Strategic Insights - Despite the earnings miss, Essent's "Buy, Manage, & Distribute Operating Model" remains intact, with total insurance in force growing year-over-year [3] - The gross premium rate earned on insurance remained stable, and the company effectively managed risk by transferring some credit risk to high-quality reinsurers, albeit at a higher cost compared to the previous year [3] - Operating cash flows remained healthy, enabling Essent to increase its quarterly dividend rate to $0.35 per common share [4] Group 3: Company Overview - Essent Group Ltd. is a holding company that provides private mortgage insurance, reinsurance, and title insurance and settlement services through its subsidiaries [5]

Core Viewpoint - Chubb Limited's Board of Directors will recommend a quarterly dividend increase for the 33rd consecutive year at the 2026 Annual General Meeting, proposing an annual dividend of $4.08 per share, up from the current $0.97 per share quarterly dividend [1] Dividend Announcement - The proposed dividend will be distributed in four quarterly installments of $1.02 per share, compared to the current quarterly dividend of $0.97 per share [1] - The Board has declared a quarterly dividend of $0.97 per share, payable on April 6, 2026, to shareholders of record by March 13, 2026 [1] Company Overview - Chubb is a leading global insurance provider, operating in 54 countries and territories, offering a wide range of insurance products including commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance [1] - The company is recognized for its extensive product offerings, strong financial position, and global operational capabilities, employing approximately 45,000 people worldwide [1]

Core Insights - Arthur J. Gallagher & Company (NYSE:AJG) is identified as one of the 12 oversold financial stocks to invest in according to hedge funds [1] - Analysts have mixed views on the stock, with price targets being adjusted downwards while still indicating potential upside [4] Group 1: Analyst Ratings and Price Targets - Paul Newsome from Piper Sandler maintained a Neutral rating on AJG, reducing the price target from $272 to $249, indicating an upside potential of around 20% [1][3] - Elyse Greenspan from Wells Fargo lowered the price target from $311 to $298 but maintained an Overweight rating, suggesting an upside potential of 43% [4] Group 2: Financial Performance - AJG reported a fourth quarter EPS of $2.38, surpassing Wells Fargo's estimate of $2.33 and the street's estimate of $2.35, attributed to higher Brokerage profitability margins [4] - The company achieved organic growth of 5% in its Brokerage segment [4] Group 3: Company Overview - Arthur J. Gallagher & Company provides a range of services including insurance brokerage, reinsurance, risk management, consulting, and third-party claims settlement, serving both individual and corporate clients [5]

February 13, 2026 ESSENT GROUP LTD. | NYSE: ESNT © 2026 Essent Group Ltd. All rights reserved. | essentgroup.com | 1 EARNINGS PRESENTATION 4Q25 ESSENT GROUP LTD. NYSE: ESNT Company Overview Recent Developments | | 3Q25 | 4Q25 | | --- | --- | --- | | Consolidated Financial Results | | | | Net Income ($M) | $164.2 | $155.0 | | Annualized ROE | 11.5% | 10.8% | | Shareholders' Equity ($B) | $5.7 | $5.8 | | Mortgage Insurance Portfolio | | | | Combined Ratio | 34.9% | 42.0% | | IIF ($B) | $248.8 | $248.4 | | NIW ...

Core Insights - Marsh & McLennan Companies, Inc. (MRSH) has a market cap of $83.8 billion and operates in insurance brokerage, reinsurance, risk management, and consulting services globally [1] - The company has experienced a decline in share price, lagging behind the S&P 500 Index and the State Street Financial Select Sector SPDR Fund [2] - MRSH reported a revenue of $6.6 billion for fiscal Q4 2025, reflecting a 9% year-over-year increase, with adjusted operating income rising 12% to $1.6 billion [4] - Analysts project a 6.1% growth in MRSH's EPS for the current year, with a consensus rating of "Moderate Buy" among 25 analysts [5] - Cantor Fitzgerald raised its price target for MRSH to $212, maintaining an "Overweight" rating based on strong Q4 results [7] Financial Performance - MRSH's revenue for Q4 2025 was $6.6 billion, marking a 9% increase year-over-year, with underlying growth of 4% [4] - Adjusted operating income increased by 12% to $1.6 billion, indicating margin expansion [4] - Adjusted EPS rose by 10% to $2.12, aided by favorable tax and foreign exchange impacts [4] Analyst Ratings - The consensus among 25 analysts is a "Moderate Buy," with ratings including seven "Strong Buy," one "Moderate Buy," 16 "Holds," and one "Moderate Sell" [5] - The configuration of analyst ratings has improved compared to two months ago, with a bullish outlook [6] Market Comparison - MRSH shares have declined 23.1% over the past year, while the S&P 500 Index increased by 14.4% [2] - In 2026, MRSH's stock dipped 5.5%, compared to a 1.4% advance in the S&P 500 [2] - The State Street Financial Select Sector SPDR Fund has risen 4.2% over the past year, indicating stronger performance compared to MRSH [2]

Core Insights - Baron Asset Fund outperformed the Russell Midcap Growth Index by 11.59 percentage points in Q4 2025, returning 7.89% [1] - The Fund's strong performance was attributed to favorable stock selection, particularly in the financial sector with Arch Capital Group Ltd. [1][3] Fund Performance - The Russell Midcap Growth Index ended Q4 2025 down 3.70% [1] - Baron Asset Fund held 53 positions, with the top 10 holdings representing 52.8% of net assets and the top 20 holdings representing 73.3% [1] Arch Capital Group Ltd. Overview - Arch Capital Group Ltd. (NASDAQ:ACGL) is an insurance company with a market capitalization of $35.852 billion [2] - The stock closed at $96.06 on February 9, 2026, with a one-month return of 5.83% and a twelve-month return of 7.21% [2] Financial Performance of Arch Capital Group Ltd. - Arch Capital's stock rose due to strong earnings results, with Q3 earnings per share exceeding expectations [3] - The company achieved an 18% return on equity and 9% growth in book value per share, with 18% growth when adjusted for a special dividend [3] - Share repurchases reduced the share count by 4% year to date, indicating management's confidence in the company's valuation [3] Hedge Fund Interest - Arch Capital Group Ltd. was held by 40 hedge fund portfolios at the end of Q3 2025, down from 46 in the previous quarter [4] - While the company has potential, certain AI stocks are considered to offer greater upside potential with less downside risk [4]

Core Viewpoint - Allstate reported quarterly earnings of $14.31 per share, significantly exceeding the Zacks Consensus Estimate of $9.82 per share, and showing a year-over-year increase from $7.67 per share, indicating strong performance in the latest quarter [1] Financial Performance - The company achieved an earnings surprise of +45.77% for the quarter, following a previous surprise of +36.22% when it reported earnings of $11.17 per share against an expectation of $8.2 per share [1][2] - Allstate's revenues for the quarter were $17.27 billion, which fell short of the Zacks Consensus Estimate by 1.43%, but represented an increase from $16.71 billion in the same quarter last year [2] Stock Performance - Allstate shares have declined approximately 3.1% since the beginning of the year, contrasting with the S&P 500's gain of 1.1% [3] - The current Zacks Rank for Allstate is 3 (Hold), indicating that the stock is expected to perform in line with the market in the near future [6] Earnings Outlook - The consensus EPS estimate for the upcoming quarter is $6.91, with projected revenues of $17.75 billion, and for the current fiscal year, the EPS estimate is $24.20 on revenues of $72.77 billion [7] - The trend of earnings estimate revisions for Allstate was mixed prior to the earnings release, which may change following the latest results [6] Industry Context - The Insurance - Property and Casualty industry, to which Allstate belongs, is currently ranked in the top 38% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Core Viewpoint - SiriusPoint Ltd. is set to release its fourth quarter 2025 financial results on February 18, 2026, followed by a conference call on February 19, 2026, to discuss these results [1]. Group 1: Financial Results Announcement - The company will announce its fourth quarter 2025 financial results after market close on February 18, 2026 [1]. - A conference call will be held on February 19, 2026, at 8:30 am (Eastern Time) to discuss the financial results [1]. Group 2: Conference Call Access - The conference call can be accessed by dialing 1-877-451-6152 for domestic calls or 1-201-389-0879 for international calls [3]. - A replay of the conference call will be available until 11:59 pm (Eastern Time) on March 5, 2026, with specific dial-in numbers for replay access [3]. Group 3: Company Overview - SiriusPoint is a global underwriter of insurance and reinsurance, headquartered in Bermuda, with additional offices in New York, London, and Stockholm [4]. - The company has approximately $2.8 billion in total capital and holds a financial strength rating of A- (Excellent) from AM Best, S&P, and Fitch, and A3 from Moody's [4].