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Investor Relations14 Oct 2025
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Conduit Holdings (CRE) investor relations material
Conduit Holdings H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary30 Jul, 2025
Executive summary
Gross premiums written grew 8.9% year-over-year to $803.3M for H1 2025, led by Property and Casualty, despite market softening.
Elevated catastrophe losses, especially California wildfires, and Ukraine war claims resulted in a comprehensive loss of $13.5M and a -1.3% ROE.
Strategic portfolio realignment underway: increasing excess of loss business, reducing quota share exposure, and purchasing additional reinsurance to manage volatility.
Leadership strengthened with new hires in risk, exposure management, claims, and underwriting to support long-term strategy.
Balance sheet remains strong with $1.9B in managed cash and investments as of June 30, 2025.
Financial highlights
Gross premiums written up 8.9% YoY to $803.3M; reinsurance revenue up 13.4% to $433.3M.
Net investment return of 3.9% for H1 2025, generating $63.8M; net investment income up 29.8% YoY.
Undiscounted combined ratio at 122.1% (vs. 85.7% prior year); discounted combined ratio at 108.3% (vs. 75.1%).
Tangible net assets per share at $6.43 as of June 30, 2025.
Diluted loss per share was $(0.09) compared to $0.62 earnings prior year.
Outlook and guidance
ROE for 2025 now expected in mid-single digits, revised down due to loss activity and portfolio actions; cross-cycle mid-teens ROE target remains.
Premium growth expected to moderate in H2 2025; focus on underwriting discipline and margin-led decisions.
Portfolio realignment and increased reinsurance purchases expected to lower premium growth and returns.
Guidance assumes an average Atlantic hurricane season; volatility remains a key risk.
Ongoing investment in talent and operational capabilities to support long-term growth.
How will portfolio realignment impact premium growth?
Explain the drivers behind the (3)% risk-adjusted rate change.
What's driving the increase in ceded reinsurance expenses?
What's the timeline for 50/50 quota share/XL?
Explain the motivation for excess of loss.
Detail the impact of Ukraine High Court ruling.
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Next Conduit Holdings earnings date
Q3 2025 TU5 Nov, 2025
Next Conduit Holdings earnings date
Q3 2025 TU5 Nov, 2025
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Eferix Drawings Google Play
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Frequently asked questions
Conduit Holdings Limited, together with its subsidiaries, engages in the reinsurance business. It underwrites property, casualty, and specialty reinsurance products. The company was incorporated in 2020 and is based in Hamilton, Bermuda
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