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Trisura Group (TSU) investor relations material
Trisura Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Q3 2025 delivered strong results, with operating ROE at 18.0%, high profitability, and a combined ratio of 86.0%, reflecting disciplined underwriting and profitable growth across primary lines.
Book value per share increased to CAD 18.90, up 20.8% year over year, with book value at a record $904 million, driven by profitability and robust investment returns.
Expansion in the U.S. continues, with investments expected to yield a platform comparable to the Canadian business.
Financial highlights
Operating EPS was $0.71, up 4.4% year over year; diluted EPS was $0.79, up 6.8%.
Gross premiums written were CAD 853.7 million, up 11.2% year over year; net insurance revenue was CAD 197.3 million, up 6.4%.
Net investment income reached $20.1 million, up 23.8% year over year, supporting earnings and book value growth.
Operating net income for the quarter was $34.4 million, with net income of $38.6 million, both higher than the prior year.
Underwriting income was $27.6 million, slightly lower due to a higher combined ratio.
Outlook and guidance
Expect continued growth in surety in Q4, with mid-teens top-line growth anticipated.
Investment income is expected to remain a durable and significant contributor to earnings into 2026.
U.S. programs business projected to grow, but at a lower rate in Q4, with further expansion opportunities in 2026.
Book value target of CAD 1 billion by end of 2027 remains on track.
Management expects to maintain sufficient capital above regulatory and internal targets, supporting ongoing operations and growth.
Outlook for Trisura Specialty combined ratio
US Surety capitalization impact on future ROE
Drivers of Q3 expense ratio increase
US Corp Insurance investment return timeline
Reinsurance capacity impact on US Programs growth
Future adjustments to investment portfolio risk
Surety: Impact of large projects on subcontractor demand?
Investment portfolio: Any shift in risk for yield?
Reinsurance market impact on US Programs growth?
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Next Trisura Group earnings date
Q4 202513 Feb, 2026
Next Trisura Group earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
Trisura Group Ltd., a specialty insurance company, provides financial protection insurance products and services worldwide. The company offers surety bonds, search and recovery bonds, maritime bonds, employment bonds, performance bonds, credit enhancement and other commercial lines of business to customers in various industries. It also provides bilingual translation and translation management services; translation of technical manuals for the aerospace industry; provision of bilingual editorial services; and language-to-language interpretation services. The company operates through two segments, Trisura Surety Bonds and Trisura Risk Solutions. Trisura Group was formerly known as Trisura Insurance Company Limited and changed its name to Trisura Group Ltd. in February 2006.
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