Question · Q4 2025
Jian for Meyer Shields with Keefe, Bruyette & Woods asked for more details on the drivers of sustained momentum in the lower middle market growth, which significantly contributed to property growth in Q4 2025, and an update on the competitive landscape. She also inquired about where loss trends are running ahead of pricing, impacting the core loss ratio.
Answer
President and CEO Vince Tizzio attributed lower middle market momentum to dedicated customer segmentation, customized solutions, strong channel partnerships, product design, and technology investments enabling enhanced productivity. He noted the segment has good margin and a long growth runway despite competition. CFO Pete Vogt indicated that pricing pressure is most acute in some property books (E&S and global property in London), while long-tail lines continue to see rate in excess of trends. Vince Tizzio added that the portfolio shift towards short-tail lines and new/expanded classes (60% short-tail) helps manage trend assumptions.
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