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Lancashire (LRE) investor relations material
Lancashire H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary6 Aug, 2025
Executive summary
Achieved most profitable Q2 in company history, with profit after tax of $109.2 million and annualized ROE of 15% for H1 2025, despite significant industry losses from California wildfires.
Gross premiums written rose 5.8% year-over-year to $1,356.2 million; insurance revenue increased 8.9% to $930.1 million.
Discounted combined ratio was 87.4%, with an undiscounted combined ratio of 97.8%.
Upgraded full-year 2025 ROE guidance to high-teens, reflecting strong H1 performance and resilience to catastrophe losses.
Insurance market conditions remain favorable, with disciplined capital deployment and selective growth strategies.
Financial highlights
Insurance service result was $155.7 million for H1 2025, with net insurance and investment result of $207.2 million.
Combined ratio at 97.8% undiscounted (87.4% discounted), reflecting strong underwriting despite $172M–$211.2M in net catastrophe/weather losses.
Investment portfolio delivered a 3.7% return for H1, driven by higher yields and strong private fund performance.
Operating expense ratio increased to 8.8% from 7.8% year-over-year, mainly due to higher headcount and related costs.
Favorable prior accident year loss development contributed $109.1 million in reserve releases.
Outlook and guidance
Full-year 2025 ROE guidance raised to high-teens, assuming similar loss activity in H2 as prior year.
Gross premiums written expected to grow at low single digits for the year.
Strong balance sheet and conservative capital base support growth and shareholder returns.
Continued focus on disciplined underwriting and capital management.
Capital returns to be assessed post-wind season, with a process similar to prior years.
How does Lancashire view 2026 combined ratios?
Explain drivers for ROE target upgrade.
Discuss the impact of large losses on pricing.
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Next Lancashire earnings date
Q3 2025 TU5 Nov, 2025
Next Lancashire earnings date
Q3 2025 TU5 Nov, 2025
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Frequently asked questions
Lancashire Holdings Limited provides specialty insurance and reinsurance products in London, Bermuda, and Australia. The company operates through five segments: Property and Casualty Reinsurance, Property and Casualty Insurance, Aviation, Energy, and Marine. It offers property direct and facultative; property political risk; property terrorism and political violence; property reinsurance; aviation AV52; aviation consortium; airline hull and liability; satellite insurance; marine, cargo, specie, liability and protection & indemnity insurance, as well as marine reinsurance products.
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