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Global Indemnity Group (GBLI) investor relations material
Global Indemnity Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved best quarterly accident year combined ratio in several years at 90.4%, generating $10.2 million in underwriting profit, up from 93.5% last year.
Net income was $12.5 million ($0.86 per diluted share) in Q3 2025, consistent with last year, with operating income rising 19% year-over-year to $15.7 million.
Gross written premiums increased 9% to $108.4 million; excluding terminated products, growth was 13%, driven by strong performance in core commercial, vacant, collectibles, and assumed reinsurance.
Continued investment in technology and data infrastructure, with all products expected on new system architecture by 2026.
Acquisitions of Sayata and IATA, both AI-enabled digital distribution marketplaces, and launch of Valyn Re LLC, support strategic growth in specialty insurance and reinsurance.
Financial highlights
Book value per share increased to $48.88 at September 30, 2025, including $0.35 per share in dividends.
Underwriting income improved 54% to $10.2 million; net investment income rose 9% to $17.9 million.
Combined ratio improved to 90.6% from 94.3% year-over-year; loss ratio improved to 50.1% from 54.9%.
Shareholders' equity rose to $704.1 million at September 30, 2025; no debt outstanding.
Cash and invested assets, net, stood at $1,435.2 million as of September 30, 2025.
Outlook and guidance
Underwriting performance for Q4 2025 expected to improve over Q4 2024, with premium growth for full year 2025 expected at 10%.
Double-digit premium growth anticipated for 2026, with potential for higher growth as new products and operations scale.
Focus remains on scaling agency and insurance services, organic growth, operational efficiency, and technology investment.
Continued product launches, strategic acquisitions, and attracting third-party carrier capacity are expected.
Ongoing investment in the Belmont Core segment and technology platforms.
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Next Global Indemnity Group earnings date
Q4 202511 Mar, 2026
Next Global Indemnity Group earnings date
Q4 202511 Mar, 2026
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Frequently asked questions
Global Indemnity Group LLC is an insurance company that provides a range of specialty property and casualty insurance products. The company offers commercial, personal, and agricultural insurance solutions through its subsidiaries. Global Indemnity serves businesses, individuals, and farms with tailored policies, focusing on coverage for high-risk or niche markets. The company operates in both admitted and non-admitted markets to provide flexible and customized insurance options. The company is headquartered in Bala Cynwyd, Pennsylvania, and its shares are listed on the NYSE.
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