Fidelis Insurance Holdings (FIHL) Company Report

Fidelis Insurance Group reported an outstanding Q3 2025 performance, achieving a combined ratio of 79%, its best as a publicly traded company, and an annualized operating return on average equity (ROAE) of 21.4% ,.
The company delivered strong top-line growth, with gross premiums written increasing 8% to $798 million in Q3 2025, and grew diluted book value per share by $1.25 to $23.29 ,.
Fidelis actively managed its capital, repurchasing 1.8 million common shares for $32 million at an average price of $17.40 during Q3 2025.
The company continues to focus on expert risk selection and leveraging its leadership in verticalized lines of business and a growing network of underwriting partners for profitable growth ,.

Nov 13, 2025, 2:00 PM

Transcript

Fidelis Insurance Group Reports Strong Q3 2025 Results with Record Combined Ratio

FIHL

Earnings

Dividends

Share Buyback

Fidelis Insurance Group achieved a Q3 2025 Combined Ratio of 79.0%, its best as a publicly traded company, and an annualized Operating ROAE of 21.4% ,.
Gross Premiums Written increased by 8% in Q3 2025 to $798 million and by 8% year-to-date to $3,739 million , ,.
Book value per diluted common share rose to $23.29 as of September 30, 2025, an increase of 7% from December 31, 2024 , , ,.
The company returned $180 million to common shareholders in the nine months ended September 30, 2025, through $143 million in share repurchases and $37 million in dividends.

Nov 13, 2025, 2:00 PM

Presentation

Fidelis Insurance Group Reports Strong Q3 2025 Results

FIHL

Earnings

Share Buyback

Revenue Acceleration/Inflection

Fidelis Insurance Group (FIHL) reported a strong third quarter in 2025, with operating net income of $127 million and $1.21 per diluted common share, resulting in an annualized operating return on average equity of 21.4%.
The company achieved its best combined ratio as a publicly traded company at 79% for the quarter, an improvement of more than eight percentage points compared to Q3 2024.
Gross premiums written increased by 8% to $798 million in Q3 2025, bringing year-to-date gross premiums written to $3.7 billion, also an 8% increase versus the same period last year.
FIHL continued its capital management strategy, repurchasing 1.8 million common shares for $32 million at an average price of $17.40 in the third quarter.
Management expressed confidence in the prevailing hard market, emphasizing growth opportunities through new underwriting partnerships and a disciplined approach in highly verticalized lines of business.

Nov 13, 2025, 2:00 PM

Transcript

FIHL Reports Strong Q3 2025 Results with Record Combined Ratio and Increased Share Buybacks

FIHL

Earnings

Share Buyback

Revenue Acceleration/Inflection

FIHL reported an outstanding Q3 2025 performance, achieving its best combined ratio as a publicly traded company at 79%, an improvement of more than eight points from the same quarter last year, and an annualized operating ROAE of 21.4%, up five points year-over-year.
The company delivered strong top-line growth of 8% in gross premiums written, reaching $798 million for the quarter, driven by a 4% increase in the insurance segment and growth to $192 million in the reinsurance segment.
Diluted book value per share grew by $1.25 in the quarter to $23.29, and the company repurchased 1.8 million common shares for $32 million at an average price of $17.40 in Q3 2025, with additional repurchases post-quarter end.
FIHL continues to leverage its underwriting partnerships and capitalize on a prevailing hard market, focusing on expert risk selection and strategic capital allocation to drive profitable growth and maintain strong margins.

Nov 13, 2025, 2:00 PM

Transcript

Fidelis Insurance Group Reports Strong Q3 2025 Results

FIHL

Earnings

Share Buyback

Dividends

Fidelis Insurance Group reported net income of $130.5 million, or $1.24 per diluted common share, for the third quarter of 2025, with an annualized operating return on average common equity (ROAE) of 21.4%.
The company achieved gross premiums written of $797.5 million in Q3 2025, representing 7.5% growth from the prior year period, and $3.7 billion for the nine months ended September 30, 2025, an 8.4% increase.
The combined ratio improved to 79.0% in Q3 2025, compared to 87.4% in Q3 2024, but was 99.5% for the nine months ended September 30, 2025, impacted by $465.0 million in catastrophe and large losses and adverse prior year development.
Book value per diluted common share increased by 6.9% to $23.29 at September 30, 2025, from $21.79 at December 31, 2024.
Fidelis returned $47.3 million to common shareholders in Q3 2025, including $31.9 million in share repurchases and $15.4 million in dividends, with year-to-date capital returns totaling $180.1 million.

Nov 12, 2025, 9:17 PM

6-K

Fidelis Insurance Group Announces Strong Third Quarter 2025 Results

FIHL

Earnings

Share Buyback

Dividends

Fidelis Insurance Group reported net income of $130.5 million, or $1.24 per diluted common share, for the third quarter of 2025.
The company achieved a combined ratio of 79.0% and an annualized operating return on average common equity (ROAE) of 21.4% in Q3 2025.
Gross premiums written grew by 7.5% to $797.5 million in Q3 2025, and by 8.4% to $3.7 billion for the nine months ended September 30, 2025.
Fidelis returned $47.3 million to common shareholders in Q3 2025 through share repurchases and dividends, with total capital returned reaching $180.1 million for the nine months ended September 30, 2025.
Book value per diluted common share increased by 6.9% to $23.29 at September 30, 2025, from December 31, 2024.

Nov 12, 2025, 9:15 PM

Press Release

Fidelis Insurance Holdings Ltd Provides Q3 2025 Business Update

FIHL

Earnings

Share Buyback

Dividends

Fidelis Insurance Holdings Ltd reported $13.0 billion in total assets and $2.3 billion in shareholders' equity as of June 30, 2025. Gross Premiums Written for the trailing twelve months ended June 30, 2025, totaled $4.6 billion, with 79% from insurance and 21% from reinsurance.
The company achieved 39% book value growth per diluted common share from January 3, 2023, to June 30, 2025. The combined ratio for YTD Q2 2025 was 110.1%, primarily impacted by adverse prior year development from the Russia-Ukraine aviation litigation, which now has no significant remaining exposure.
Fidelis has a long-term target combined ratio of mid to high 80s% and an operating ROAE target of 13-15%. The Annualized Operating ROAE for the six months ended June 30, 2025, was (2.6)%.
The company has returned $284.4 million in capital to shareholders since January 3, 2023, through dividends and share repurchases, and renewed a $200 million common share repurchase authorization in August 2025.

Oct 28, 2025, 8:12 PM

6-K

Fidelis Insurance Group Reports Q2 2025 Results

FIHL

Earnings

Share Buyback

Dividends

Fidelis Insurance Group reported net income of $19.7 million ($0.18 per diluted common share) for Q2 2025, with gross premiums written of $1.2 billion.
For the first half of 2025, the company recorded a net loss of $22.8 million ($(0.21) per diluted common share), with a combined ratio of 110.1%.
The combined ratio was significantly impacted by net adverse development from the Russia-Ukraine aviation litigation and losses from the California wildfires.
Fidelis returned $132.8 million to common shareholders in the first half of 2025 through $110.8 million in share repurchases and $22.0 million in dividends.
Post-quarter, on August 6, 2025, the company renewed its share repurchase authorization to $200.0 million and increased its quarterly dividend to $0.15 per share.

Aug 13, 2025, 12:00 AM

6-K

Fidelis Insurance Group Expands Capital Management Initiatives

FIHL

Dividends

Share Buyback

The board of directors of Fidelis Insurance Holdings Limited (FIHL) has approved an increase to the quarterly dividend policy to $0.15 per common share and declared a dividend of $0.15 per share, payable on September 26, 2025, to common shareholders of record on September 16, 2025.
The company's board also approved a renewal of the existing share repurchase program, authorizing the purchase of up to an aggregate $200 million of its shares.
This decision is partly driven by the company's belief that its current stock price does not reflect its true value, providing flexibility to capitalize on the considerable discount to net book value.
For the half year ended June 30, 2025, Fidelis Insurance Group returned $132.8 million in capital to common shareholders, comprising $110.8 million from share repurchases and $22.0 million in dividends.

Aug 6, 2025, 12:00 AM

6-K

Fidelis Insurance completes $400 million subordinated notes offering

FIHL

Debt Issuance

Completed an underwritten public offering of $400 million aggregate principal amount of 7.750% Fixed-Rate Reset Subordinated Notes due 2055.
Notes bear 7.750% fixed interest per annum to, but excluding, June 15, 2035; thereafter reset every five years at the Five-Year Treasury Rate + 4.280%, with interest payable semi-annually on June 15 and December 15, commencing December 15, 2025.
Features a Mandatory Deferral Event, requiring deferral of all interest payments if the Insurance Group breaches its Enhanced Capital Requirements.

Jun 13, 2025, 12:00 AM

6-K

Earnings Transcripts

Quarterly earnings call transcripts for Fidelis Insurance Holdings.

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