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Fidelis Insurance
Fidelis Insurance (FIHL) investor relations material
Fidelis Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Achieved a combined ratio of 80.6% in Q4 2025, a 47-point improvement year-over-year, and annualized operating ROAE of 18.3%.
Gross premiums written grew 7% for the year to $4.7 billion, driven by new underwriting partnerships and disciplined capital allocation.
Book value per diluted share rose to $24.61 at year-end 2025, up 15.2%.
Resolved legacy Russia-Ukraine aviation litigation exposure in H1, enabling robust performance in H2.
Rebranded as Pelagos Insurance Capital to reflect a focus on capital allocation and partnership, launching in 2026.
Financial highlights
Q4 operating net income was $110 million ($1.09 per diluted share); full-year operating net income was $205 million ($1.92 per diluted share).
Full-year net income was $225.5 million ($2.11 per diluted share).
Book value per diluted share grew to $24.61, up 15.2% including dividends.
Gross premiums written reached $4.7 billion for the year, up 7% from 2024.
Net investment income for 2025 was $184 million; Q4 net investment income was $44 million.
Outlook and guidance
Expect mid-single digit top-line growth in 2026, with net earned premiums in insurance of $450–$500 million and reinsurance of $50–$60 million for Q1.
Combined ratio expected to remain strong, with overall loss ratio in the mid-40% range for 2026.
Investment returns projected at 4–4.5% for 2026.
G&A expenses anticipated at ~$29 million per quarter in 2026 due to strategic investments.
Board approved an increase in share repurchase authorization to $400 million and declared a $0.15 per share dividend payable March 27, 2026.
New underwriting partners: growth and diversification
Aviation premium decline: strategic pivot impact
Outward reinsurance: market advantage and flexibility
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Next Fidelis Insurance earnings date
Q1 202614 May, 2026
Fidelis Insurance
Next Fidelis Insurance earnings date
Q1 202614 May, 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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