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Sep 30, 2025
Assured Guaranty Q3 2025 Earnings Report
Assured Guaranty reported solid results in Q3 2025 with strong net income and consistent investment income, despite a drop in total revenue compared to the previous year.
Key Takeaways
Assured Guaranty delivered a profitable third quarter with $105 million in net income and $2.20 in basic EPS. Revenue declined from Q3 2024, but investment income grew and loss expenses remained favorable.
Net income attributable to Assured Guaranty Ltd. was $105 million for Q3 2025.
Diluted EPS stood at $2.18, with basic EPS at $2.20.
Revenue declined to $207 million from $269 million in Q3 2024, largely due to lower FX gains and realized losses.
Loss and loss adjustment expenses showed a benefit of $30 million, contributing to strong operating income.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Assured Guaranty remains focused on risk-adjusted profitability and loss mitigation, with attention to healthcare, UK utilities, and Puerto Rico exposures.
Positive Outlook
- Strong investment income of $94 million in Q3 2025.
- Benefit of $30 million in loss and loss adjustment expenses.
- Robust shareholder returns via buybacks and dividends.
- Continued de-risking of structured finance exposures.
- Steady premium receivables indicating ongoing business activity.
Challenges Ahead
- Revenue declined year-over-year due to FX losses and investment markdowns.
- Ongoing exposure to BIG-rated public finance and structured finance credits.
- Continued uncertainty around Puerto Rico's PREPA restructuring.
- Healthcare credits under pressure from labor and reimbursement challenges.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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