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Lancashire (LRE) investor relations material
Lancashire Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary5 Nov, 2025
Executive summary
Delivered strong Q3 2025 performance with gross premiums up 7.4% year-on-year to $1.8 billion and insurance revenue up 7.8% to $1.4 billion, driven by disciplined underwriting and a diversified portfolio.
Successfully completed the minority buyout of Syndicate 2010, enhancing control, strategic flexibility, and future earnings potential.
Maintained a robust capital position, supporting a special dividend of 75 cents per share ($182 million) and future growth.
Achieved strong investment returns and positive results, reinforcing the ability to deliver sustainable returns.
Financial highlights
Gross premiums written increased 7.4% year-on-year to $1.8 billion for the first nine months.
Insurance revenue for the first nine months was $1.4 billion, up 7.8% year-on-year.
Net investment return of 5.6% year-to-date, generating $170 million in investment income and gains.
Managed investment portfolio stood at $3,207.2 million to $3,316.5 million as of 30 September 2025, with a duration of 2.1 years and average credit quality of A+.
Special dividend of 75 cents per share declared, totaling $182 million.
Outlook and guidance
Expects continued, but measured, rate softening in 2026, with healthy margins in most lines and premium growth anticipated to be low single-digit.
Maintains a strong balance sheet and conservative capital base, with no change to return on equity guidance; formal 2026 ROE guidance to be provided with Q4 results.
Strategy focuses on disciplined underwriting, navigating volatility, and capitalizing on attractive opportunities.
Future capital deployment strategy for 2026
Underwriting focus amid 2026 rate softening
U.S. platform growth drivers beyond new lines
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Next Lancashire earnings date
Q4 202510 Feb, 2026
Next Lancashire earnings date
Q4 202510 Feb, 2026
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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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