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SiriusPoint (SPNT) investor relations material
SiriusPoint Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved strong underwriting performance and double-digit premium growth, with a core combined ratio of 89.1% and operating ROE of 17.9% for Q3 2025 and 16.1% year-to-date, both above the 12%-15% target range.
Net income for Q3 2025 was $90.7M, with book value per common share rising to $17.21, up 15.3% from December 31, 2024.
Announced sale agreements for Armada and Arcadian MGAs for $389M, expected to add over $200M to book value and increase per-share value by $1.75 upon closure.
Received multiple industry awards and a positive outlook upgrade from S&P, AM Best, and Fitch, reflecting improved balance sheet strength and reduced risk profile.
Book value per share increased 6% in Q3 and 16% year-to-date, with further upside expected from announced MGA sales.
Financial highlights
Q3 2025 gross premiums written: $872M (+26% YoY); net premiums written: $665M (+32% YoY); net premiums earned up 17.8% to $647.7M.
Q3 2025 net income attributable to common shareholders was $86.8M; operating net income was $85M, with EPS up 41% to $0.72.
9M 2025 gross premiums written: $2.79B (+16% YoY); net premiums written: $2.12B (+19% YoY); net investment income for nine months was $206M.
Book value per diluted common share (ex. AOCI) increased 12.5% year-to-date to $16.47; tangible book value per diluted share: $15.87.
Annualized return on average common shareholders’ equity was 17.7% for Q3 2025 and 14.5% for the nine months.
Outlook and guidance
Management expects continued premium growth, disciplined underwriting, and further capital optimization, reaffirming a long-term ROE target of 12%-15% post-MGA disposals.
Sale of Armada and Arcadian expected to generate significant pre-tax gains in Q4 2025 and Q1 2026, unlocking $205-210M in off-balance sheet value.
S&P upgraded the outlook to positive, with further upside expected from announced MGA sales.
Plan to use MGA sale proceeds to redeem $200M in preference shares, reducing leverage and financing costs.
Expect Q4 premium growth to align with year-to-date trends, with some seasonality expected.
Detail the MGA disposal value recognition timeline
Explain capital transactions impacting asset base
How do segment underwriting drivers differ?
MGA sale proceeds: impact on leverage?
Drivers of reduced underwriting volatility?
Outlook for Q4 premium growth by segment?
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Next SiriusPoint earnings date
Q4 202520 Feb, 2026
Next SiriusPoint earnings date
Q4 202520 Feb, 2026
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Frequently asked questions
SiriusPoint Ltd. is a global underwriter of insurance and reinsurance, offering a wide range of solutions to clients and brokers across the world. The company operates in the Property & Casualty and Accident & Health sectors, providing coverage through its licenses in these areas. SiriusPoint has established a significant presence on the global stage, with headquarters in Pembroke, Bermuda, and additional offices in key locations such as New York, London, and Stockholm. The firm has emerged as a notable player in the insurance and reinsurance industry, leveraging its expertise and global reach to serve a diverse client base. The company is headquartered in Pembroke, Bermuda, and its shares are listed on the New York Stock Exchange.
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