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Fidelis Insurance Holdings (FIHL) investor relations material
Fidelis Insurance Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Gross premiums written grew 8.7–9% year-over-year to $2.9–$2.94B YTD Q2 2025, driven by strong retention and new business.
Book value per diluted share increased 1.1% to $22.04 at June 30, 2025, despite net losses.
Net income for Q2 2025 was $19.7–$20M, but H1 2025 saw a net loss of $22.8M, impacted by aviation litigation and wildfires.
Combined ratio rose to 103.7% in Q2 and 110.1% for H1, mainly due to adverse reserve development from Russia-Ukraine aviation litigation and California wildfires.
Capital management initiatives included $133M returned to shareholders in H1 2025 via $111M in repurchases and $22M in dividends, and a $200M share repurchase renewal.
Financial highlights
Net investment income was $44.6M in Q2 and $94M in H1 2025, with $6–12.6M in net realized/unrealized gains from hedge fund investments.
Underwriting loss was $20.6M in Q2 and $115.1M in H1 2025.
Total assets increased to $13.0B and shareholders' equity to $2.3B at June 30, 2025.
Annualized operating ROAE was 2.3% in Q2 and -2.6% for H1 2025.
EPS was $0.18 in Q2 and -$0.21 in H1 2025; operating EPS was $0.12 in Q2 and -$0.29 in H1.
Outlook and guidance
Full-year underwriting growth expected at 6–10%, with a long-term combined ratio target in the mid to high 80s%.
Management expects minimal remaining exposure to Russia-Ukraine aviation litigation and targets improved combined ratio and ROAE, excluding litigation impacts.
Focus remains on disciplined underwriting, capital management, and maximizing shareholder value.
Effective tax rate expected to remain around 19% for the year.
Explain the strategic rationale for hedge fund deployment.
Why did GPW decrease in Reinsurance segment?
How will capital management enhance shareholder returns?
How does Fidelis' structure enhance risk selection?
What factors drive Political Risk coverage demand?
How will Aviation pricing impact premium growth?
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Next Fidelis Insurance Holdings earnings date
Q3 202513 Nov, 2025
Next Fidelis Insurance Holdings earnings date
Q3 202513 Nov, 2025
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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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