Dafinchi AI

Chubb Limited

2025 Q3

Financial Services

Financial Performance Summary

Adjusted net investment income hit a record $1.8 billion, up 8.3%, supported by a fixed income portfolio yield of 5.1%.
Core operating income reached a record $3 billion, up 29% year-over-year, driving EPS growth of 31% to $7.49 per share.
Life Insurance premiums grew over 24.5%, with the Life division producing $324 million pretax income, up over 14%.
Operating cash flow was strong at $4.5 billion, contributing to a nearly 10% growth in invested assets over 12 months.
Pretax catastrophe losses were $285 million for the quarter, higher than prior year but still manageable.
Published underwriting income was $2.3 billion, a 55% increase from the prior year, with a record combined ratio of 81.8%.
Tangible book value per share grew 17% year-over-year and 6.6% sequentially, with an annualized core operating return on tangible equity of 24.5%.
Total company premiums grew 7.5%, with consumer premiums up nearly 16% and commercial premiums up 3.3%.

Intercontinental Exchange, Inc.

ICE

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted operating expenses totaled $983 million, towards the low end of guidance, driven by technology-related savings and synergies.
Adjusted operating income increased 13% to a record $1.6 billion, building on 11% pro forma growth in Q2 2024.
Capital returned to shareholders totaled $532 million in the quarter, including $255 million in share repurchases.
Exchange segment net revenues were a record $1.4 billion, up 12% year-over-year.
Fixed Income and Data Services segment revenues totaled a record $597 million, up 8% year-over-year in ICE Bonds.
Leverage ended the quarter at target 3x EBITDA, ahead of schedule after the Black Knight acquisition.
Mortgage Technology revenues totaled $531 million, up 5% year-over-year, with recurring revenues increasing largely due to Data and Analytics and Servicing.
Net revenue increased 9% to a record $2.5 billion, with growth contributions from all three operating segments.
Record volumes and revenues were achieved across energy, interest rate, and credit default swap markets, contributing to strong first half results.
Second quarter adjusted earnings per share were a record $1.81, up 19% year-over-year.

Moody's Corporation

MCO

2025 Q3

Financial Services

Financial Performance Summary

Adjusted diluted EPS was $3.92, a 22% increase year-over-year, more than doubling from three years ago.
Adjusted operating margin reached nearly 53%, improving over 500 basis points from the prior year.
Free cash flow guidance increased to approximately $2.5 billion, with share repurchase guidance raised to at least $1.5 billion, targeting over 85% free cash flow returned to shareholders.
MIS adjusted operating margin expanded 560 basis points to 65.2%, with full-year guidance raised to 63-64%.
MIS segment revenue grew 12%, surpassing $1 billion for the third consecutive quarter, with strong issuance and tight spreads.
Moody's achieved record quarterly revenue exceeding $2 billion, up 11% year-over-year in Q3 2025.
Moody's Analytics adjusted operating margin improved 400 basis points to 34.3%, with full-year margin guidance increased to approximately 33%.
Moody's Analytics revenue grew 9% year-over-year, with ARR reaching nearly $3.4 billion, up 8%.

Fifth Third Bancorp

FITB

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted noninterest expense increased 4% year-over-year but decreased 4% sequentially, excluding deferred compensation mark-to-market.
Adjusted pre-provision net revenue (PPNR) increased 10%, with 250 basis points of positive operating leverage for the third consecutive quarter.
Adjusted return on assets was 1.2%, adjusted return on tangible common equity was 18%, and efficiency ratio was 55.5%.
Adjusted revenues grew 6% year-over-year, led by 7% growth in net interest income (NII).
Average loan growth was 5% year-over-year across diversified platforms despite industry headwinds.
Common Equity Tier 1 (CET1) ratio was 10.6%, up 13 basis points, with pro forma including AOCI at 8.6%, up 60 basis points year-over-year.
Net charge-offs were 45 basis points, at the bottom of guidance and improved year-over-year.
Net interest margin expanded 9 basis points sequentially, with NII growing 7% year-over-year and 4% sequentially.
Noninterest income increased 8% year-over-year, adjusted noninterest income up 3%, led by wealth fees and consumer banking fees growth.
Nonperforming assets (NPAs) declined 11% sequentially, led by an 18% decline in commercial NPAs.
Provision expense included a $34 million build in allowance for credit losses due to macroeconomic scenario deterioration.
Reported earnings per share of $0.88, or $0.90 excluding certain items, exceeding consensus estimates.
Tangible book value per share increased 18% year-over-year and 5% sequentially.

Zions Bancorporation, National Association

ZION

2025 Q3

Financial Services

Financial Performance Summary

Average loans increased by an annualized 2.1% and customer deposits by 3.1% sequentially.
Common Equity Tier 1 ratio stood at 11.3%, with tangible book value per share growing 17% year-over-year.
Customer fees, excluding net credit valuation adjustment, grew by $10 million sequentially, with adjusted expenses declining by $1 million.
Diluted earnings per share was $1.48, down from $1.63 in the prior quarter but up from $1.37 a year ago, impacted by credit valuation adjustments and elevated credit provisions.
Efficiency ratio improved to 59.6%, reflecting positive operating leverage as revenue growth outpaced expense growth.
Net charge-offs totaled $56 million or 37 basis points annualized, largely driven by a $50 million charge-off related to two specific C&I loans.
Net interest margin expanded by 11 basis points sequentially to 3.28%, marking the seventh consecutive quarter of margin improvement.
Provision for credit losses was $49 million, reducing allowance for credit losses by $7 million relative to prior quarter.

Palomar Holdings, Inc.

PLMR

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted combined ratio was 73.1% for Q2 2025, consistent with the prior year period.
Annualized adjusted return on equity was 23.7%, slightly down from 24.7% in Q2 2024.
Gross written premiums grew 29% year-over-year to $496.3 million, or 45% growth excluding runoff business.
Loss ratio was 25.7%, driven primarily by non-catastrophe attritional losses and favorable reserve development.
Net investment income increased 68% year-over-year to $13.4 million with a yield of 4.7%.
Second quarter 2025 adjusted net income increased 52% year-over-year to $48.5 million or $1.76 per diluted share.

CNO Financial Group, Inc.

CNO

2025 Q2

Financial Services

2mo

Record Total New Annualized Premiums

+17%

$120 million

Sales results in the quarter were excellent, including record total new annualized premiums of $120 million, up 17%.

Hippo Holdings Inc.

HIPO

2025 Q2

Financial Services

2mo

Financial Performance Summary

Hippo achieved positive net income from operating activities for the first time, with Q2 net income of $1 million and adjusted net income of $17 million, reflecting a $41 million and $37 million improvement respectively compared to Q2 2024.
Hippo reported gross written premium growth of 16% year-over-year to $299 million in Q2 2025, driven by organic growth and new hybrid fronting programs.
Operating expenses decreased by 16% year-over-year, falling from 46% to 30% of revenue, demonstrating improved operating leverage.
Revenue increased 31% year-over-year to $117 million, supported by a 12% growth in gross earned premium and a 9 percentage point increase in premium retention to 39%.
The consolidated net loss ratio improved significantly by 46 percentage points year-over-year to 47%, aided by underwriting actions, claims improvements, and favorable reserve developments.

Bridgewater Bancshares, Inc.

BWB

2025 Q3

Financial Services

Financial Performance Summary

Capital ratios remained stable with CET1 ratio slightly increasing from 9.03% to 9.08%.
Core deposits grew 11.5% annualized in Q3 and 7.4% year to date, reflecting strong deposit momentum.
Fee income declined in Q3 due to lumpiness in swap fees but is expected to rebound in Q4.
Loan balances increased 6.6% annualized in Q3 and 12% annualized year to date, driven by multiple asset classes including affordable housing.
Net charge-offs remained very low at 0.03% of loans, and non-performing assets held steady at 0.19% of total assets, indicating strong asset quality.
Net interest income increased by $1.6 million in Q3, supported by loan growth and a 1 basis point net interest margin expansion to 2.63%.
Noninterest expenses were elevated due to systems conversion and marketing efforts, with 17 new full-time employees added in Q3.
Tangible book value per share increased 20% annualized in Q3 and 14% annualized year to date, demonstrating consistent shareholder value creation.

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