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QBE Insurance Group (QBE) investor relations material
QBE Insurance Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary26 Nov, 2025
Executive summary
Return on equity is expected to remain in the high teens for FY25, supported by targeted premium growth and strong underwriting and investment performance.
Planning for FY26 is well advanced, with expectations of further premium growth and a stable combined operating ratio.
Financial highlights
Gross written premium (GWP) grew 6% year-over-year for the nine months to 30 September 2025, with ex-rate growth at 5%.
Excluding non-core run-off in North America and Crop, ex-rate GWP growth was 7%.
Group premium rate increases were -1.5% for the nine months, mainly due to commercial property lines.
Net catastrophe claims for the ten months to October were ~$700 million, below the ~$950 million allowance.
Investment returns remained strong, with a core fixed income yield of 3.7% and total investment FUM at $34.8 billion.
Outlook and guidance
FY25 constant currency GWP growth is expected in the mid-single digits, including a ~$250 million drag from non-core run-off in North America.
Group combined operating ratio is forecast at ~92.5% for both FY25 and FY26.
Return on equity anticipated to continue in the high teens.
What drives the shift to active capital management?
What actions address higher ex-cat claims ratio?
Explain rate adequacy despite negative rates.
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Next QBE Insurance Group earnings date
Q4 202519 Feb, 2026
Next QBE Insurance Group earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
QBE Insurance Group Limited is an Australian insurance company that provides property, casualty, motor, and health insurance products. The company operates in North America, Europe, Asia Pacific, and Australia through direct sales and broker channels. It serves individuals, businesses, and institutions with risk management solutions. QBE Insurance Group Limited is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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