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Ategrity Specialty Insurance Company
Ategrity Specialty Insurance Company (ASIC) investor relations material
Ategrity Specialty Insurance Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Delivered record quarterly results with 30.2% year-over-year gross written premium growth and an 84.9% combined ratio, both company records.
Growth driven by targeted specialty products, expanded distribution (nearly 600 partners), and workflow automation.
Outperformed E&S industry growth by 20 percentage points, with strong performance in both property and casualty segments.
Maintained underwriting discipline and margin expansion despite increased competitive intensity in the small and mid-sized E&S market.
Book value per share increased 23.2% year-over-year to $12.78.
Financial highlights
Adjusted net income rose to $25.4 million from $22.7 million year-over-year, with EPS of $0.51 per diluted share.
Gross written premiums up 30.2% to $154.0 million, net written premiums up 44%, and net earned premiums up 34% year-over-year.
Underwriting income increased 160% to $15.5 million; combined ratio improved to 84.9% from 92.3% last year.
Net investment income was $11.6 million, up from $6.3 million, with $6.7 million in realized/unrealized gains.
Book value per share rose to $12.78, up 21% since IPO and 23.2% year-over-year; cash and investments increased by $45 million to $1.1 billion.
Outlook and guidance
Guidance for Q1 2026 is for growth 20 percentage points above E&S market growth, with a combined ratio just below 90%.
Management expects continued profitable growth, citing durable underwriting strategy, analytics, and automation as competitive advantages.
Broader distribution and targeted growth initiatives are expected to sustain submission flow and profitable business conversion.
Continued focus on market share gains and disciplined underwriting in a moderating market.
What drove the Q4 expense ratio improvement
How did property growth outpace peers in Q4
Explain the Q4 investment gains vs prior year
AI's impact on underwriting decision quality
Specific market gaps driving property growth
Buyback impact on future growth capital
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Next Ategrity Specialty Insurance Company earnings date
Q1 20267 May, 2026
Ategrity Specialty Insurance Company
Next Ategrity Specialty Insurance Company earnings date
Q1 20267 May, 2026
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