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W. R. Berkley (WRB) investor relations material
W. R. Berkley Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income to common stockholders was $401 million for Q2 2025, up from $372 million in Q2 2024, with diluted EPS of $1.00 and strong operating income growth.
Net premiums written reached a record $3.4 billion, with gross premiums written up 7% year-over-year and strong growth in both Insurance and Reinsurance & Monoline Excess segments.
Record net investment income of $379 million, driven by higher yields and asset growth, contributed to robust equity growth.
Management remains optimistic about future earnings growth, citing well-positioned underwriting and investment portfolios.
The company is navigating a complex macro environment, including inflation, labor market shifts, and evolving industry cycles.
Financial highlights
Net income per diluted share rose 8.7% year-over-year to $1.00; annualized return on equity reached 19.1%.
Net premiums earned for Q2 2025 were $3.10 billion, up 9% year-over-year; gross premiums written were $4.0 billion.
Combined ratio was 91.6%, including $99 million in catastrophe losses; expense ratio held steady at 28.5%.
Book value per share increased 6.8% in the quarter to $24.50, before dividends; common stockholders' equity reached $9.3 billion.
Net investment gains for Q2 2025 were $31 million, compared to a $60 million loss in Q2 2024.
Outlook and guidance
Management expects to sustain high-teens to low-twenties returns for the foreseeable future and remains confident in delivering exceptional shareholder value.
Growth outlook adjusted to 8–12% from previous 10–15%, reflecting increased headwinds in property lines.
Catastrophe losses and social inflation remain key factors influencing future underwriting results.
No material impact expected from recent U.S. tax law changes.
How do tariffs and labor costs impact loss activity?
Explain the rationale for excluding currency gains.
Assess MGA growth and expertise in the industry.
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Next W. R. Berkley earnings date
Q3 202520 Oct, 2025
Next W. R. Berkley earnings date
Q3 202520 Oct, 2025
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Frequently asked questions
W. R. Berkley Corporation, an insurance holding company, operates as a commercial lines writer of specialty insurance policies for residential and commercial properties, as well as personal automobile insurance primarily in the United States. Headquartered in Greenwich, Connecticut, the company offers a range of energy service contracts and other products through its Energy Services segment; casualty insurance such as professional liability coverage and various auto products sold primarily through independent agents for individuals and commercial vehicles through its Personal Lines segment; and property insurance such as single-family dwellings sold primarily to homebuilders through its Home Builders segment.
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