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Dec 31, 2025
SiriusPoint Q4 2025 Earnings Report
SiriusPoint reported strong fourth quarter 2025 results with significant profitability improvement and robust underwriting performance.
Key Takeaways
SiriusPoint delivered net income of $240.0 million in Q4 2025, driven by improved underwriting results, lower catastrophe losses, and solid premium growth. The company achieved a 90.0% combined ratio and 44.9% annualized ROE, reflecting strong operational execution.
Net income available to common shareholders was $240.0 million with diluted EPS of $1.97.
Combined ratio improved to 90.0%, reflecting disciplined underwriting and lower catastrophe losses.
Gross written premiums grew 17.6% year-over-year to $896.9 million.
Annualized return on equity reached 44.9% with operating ROE of 17.1%.
Revenue by Segment
Forward Guidance
Management highlighted strong momentum entering 2026, plans for capital optimization, and continued share repurchases, while maintaining a disciplined underwriting approach.
Positive Outlook
- Intention to repurchase $100 million of common shares over the next 12 months.
- Redemption of Series B preference shares expected to reduce leverage ratio to 23%.
- Strong capital position with estimated BSCR of 247% at year-end.
- Momentum in premium growth across Insurance & Services and Reinsurance.
- Positioned to benefit from strategic acquisitions and partnerships.
Challenges Ahead
- Exposure to catastrophe losses remains inherent in underwriting operations.
- Decreased favorable prior year reserve development compared to prior year.
- Foreign exchange losses impacted quarterly results.
- Interest expense continues to impact net profitability.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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