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Dec 31, 2025
AXIS Capital Q4 2025 Earnings Report
AXIS Capital reported strong fourth quarter results with increased net income and operating income, driven by improved underwriting performance and a lower combined ratio.
Key Takeaways
AXIS Capital concluded an outstanding year with a strong fourth quarter, reporting net income of $282 million and operating income of $250 million. The company achieved a combined ratio of 90.4% and saw significant growth in gross premiums written, particularly in its insurance segment, reflecting successful execution of its specialty strategy.
Net income available to common shareholders for Q4 2025 was $282 million, or $3.67 per diluted common share.
Operating income for Q4 2025 was $250 million, or $3.25 per diluted common share.
The combined ratio for Q4 2025 improved to 90.4%, a 3.8 point improvement compared to Q4 2024.
Gross premiums written increased by 12% to $2.2 billion in Q4 2025, with strong growth in both insurance and reinsurance segments.
Revenue by Segment
Forward Guidance
The company's forward-looking statements indicate a focus on sustained profitable growth and execution of its specialty strategy, leveraging new and expanded business lines. However, it acknowledges various risks including the cyclical nature of the insurance business, catastrophe frequency, and economic conditions.
Positive Outlook
- Continued focus on driving sustained profitable growth through its specialty strategy.
- Leveraging new and expanded business lines with significant upside potential.
- Operating consistently as 'One AXIS' to capitalize on market opportunities and generate efficiency gains.
- Sharpening market position as a differentiated specialty leader.
- Commitment to increasing the use of data, analytics, and technology as part of its business strategy.
Challenges Ahead
- Exposure to the cyclical nature of insurance and reinsurance business, leading to potential excess underwriting capacity and unfavorable premium rates.
- Vulnerability to the frequency and severity of natural and man-made catastrophes.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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