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Sid (on behalf of Bob Gianquitti)

Research Analyst at Morgan Stanley

Sid (on behalf of Bob Gianquitti) is an analyst at Morgan Stanley, specializing in equity research with a focus on select companies in the technology and financial sectors. His coverage includes in-depth analysis of leading firms within these segments, though specific company names, performance metrics, and quantitative rankings are not publicly available. Sid's career at Morgan Stanley has been marked by a progression from junior roles to his current analyst position, but there is no verified public record detailing his full career timeline or prior affiliations. He holds recognized professional credentials required of equity analysts, including FINRA registration and necessary securities licenses.

Sid (on behalf of Bob Gianquitti)'s questions to Hippo Holdings (HIPO) leadership

Question · Q4 2025

Sid from Jefferies inquired about the drivers of reserve development in the quarter and the expected trend for homeowners renewal premium increases moving forward.

Answer

CFO Guy Zeltser attributed the reserve development primarily to one large homeowners liability loss, clarifying that the full year 2025 saw a positive $10 million release and Q4 itself had positive development from earlier accident year 2025 quarters. He also stated that while another 15% increase in homeowners renewal premiums is not expected, increases will continue in 2026, staying ahead of loss costs due to inflation. President and CEO Richard McCathron added that Hippo is only writing profitable homeowners business and is actively managing to stay ahead of market trends.

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Sid (on behalf of Bob Gianquitti)'s questions to BROWN & BROWN (BRO) leadership

Question · Q3 2025

Sid asked if there is a similar trend in the admitted and E&S property markets or if any divergence is occurring.

Answer

Powell Brown, President and CEO, noted that rate pressure is much higher on E&S property, but there is continued and expected to be increasing interest in the admitted market for good property.

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Question · Q3 2025

Sid (on behalf of Bob Gianquitti) asked about property renewal rates in Q3 and the outlook for Q4, specifically if they would be similar or worsen, and if there's a divergence in trends between admitted and E&S property markets.

Answer

CEO Powell Brown anticipated property renewal rates in Q4 would be similar to Q3, with a caveat for potential aggressive pricing from some markets in December. He noted that while rate pressure is much higher on E&S property, there is continued and expected increasing interest in the admitted market for good property.

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