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Fidelis Insurance Holdings (FIHL) investor relations material
Fidelis Insurance Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Achieved record quarterly combined ratio of 79.0% and annualized operating ROAE of 21.4% in Q3 2025, reflecting strong underwriting and portfolio strength.
Book value per diluted share rose to $23.29, up 6.9% since year-end 2024 and 7% from December 31, 2024.
Gross premiums written increased 8% year-over-year to $798 million for Q3 and $3.7 billion year-to-date, driven by new business and strong retention.
Returned $180 million to shareholders in the first nine months of 2025 through share repurchases and dividends.
Diluted book value per share grew by $1.25 in the quarter, with 8.3% growth since year-end including dividends.
Financial highlights
Q3 2025 operating net income was $127 million, or $1.21 per diluted share; net income was $130.5 million ($1.24 per share).
Net investment income for Q3 2025 was $46 million; year-to-date, $140 million.
Net premiums written rose 8% year-over-year; net premiums earned decreased 5% due to business mix.
Net favorable prior year development of $16 million, with $3 million from insurance and $13 million from reinsurance.
Catastrophe and large losses were $57 million (9.6 points of combined ratio), down from $92 million (14.4 points) last year.
Outlook and guidance
Management targets 6-10% full-year gross premium growth, citing confidence in market positioning and underwriting partnerships.
Full-year effective tax rate expected to remain around 19%.
Annual policy acquisition expense ratio anticipated in low 30s% for insurance and mid-20s% for reinsurance.
Focus remains on margin discipline amid emerging rate pressures and evolving risk landscape.
Management remains bullish on market conditions and sees opportunities for further growth in 2026.
How do new partners shape future business trajectory?
Explain margin resilience amid market pricing pressure?
Beyond buybacks, how to unlock shareholder value?
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Next Fidelis Insurance Holdings earnings date
Q4 202527 Feb, 2026
Next Fidelis Insurance Holdings earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Fidelis Insurance Holdings Limited is an insurance and reinsurance provider known for its comprehensive range of products and services. The company operates through three primary segments: Specialty, Reinsurance, and Bespoke, through which it delivers customized solutions and services. The company is headquartered in Pembroke, Bermuda, and its shares are listed on the NYSE.
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