- After-tax net investment income increased 15% to $850 million, driven by fixed income portfolio.
- Combined ratio improved to an exceptional 83.9% underlying, marking the fourth consecutive quarter below 85%.
- Core income of $1.9 billion or $8.14 per diluted share in Q3 2025.
- Expense ratio was 28.6% for the quarter, with full year 2025 expected around 28%.
- Net written premiums grew to $11.5 billion, with 3% growth in Business Insurance segment.
- Returned $878 million to shareholders including $628 million in share repurchases.
- Return on equity for the quarter was 22.6%, with a trailing twelve months core ROE of 18.7%.
- Underwriting income pretax was $1.4 billion, more than doubling compared to prior year quarter.
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- Adjusted diluted EPS grew 10% year-over-year.
- Adjusted expenses increased moderately across divisions, driven by compensation, currency translation, and strategic investments.
- Adjusted expenses increased modestly across divisions, driven by compensation, currency translation, and strategic investments.
- Commodity Insights revenue grew 8%, with Energy & Resources Data & Insights up 10%; operating margin improved by 130 basis points to 48.6%.
- Commodity Insights revenue increased 8%, with Energy & Resources Data & Insights growing 10%.
- Energy Transition and Sustainability revenue grew 7% to $93 million in the quarter.
- Market Intelligence division achieved 7% organic constant currency revenue growth and more than 200 basis points of margin expansion in the quarter.
- Market Intelligence division achieved 7% organic constant currency revenue growth and over 200 basis points of margin expansion.
- Market Intelligence reported 5% revenue growth with 7% organic constant currency growth; operating margin improved by 240 basis points to 35.3%.
- Market Intelligence revenue increased 5% reported and 7% organic constant currency; operating margin improved by 240 basis points to 35.3%.
- Mobility revenue increased 10% year-over-year; margins improved 140 basis points to 42.3%.
- Private Market revenue increased 11% year-over-year to $148 million.
- Private markets revenue showed strong growth, led by private credit within Ratings.
- Ratings revenue increased 1% year-over-year, with transaction revenue down 4% and non-transaction revenue up 8%.
- Ratings revenue increased 1% year-over-year, with transaction revenue down 4% but non-transaction revenue up 8%.
- Revenue increased 6% year-over-year in the second quarter, with subscription revenue increasing 7%.
- S&P Dow Jones Indices revenue increased 15%, driven by Asset-Linked Fees up 17% and Exchange-Traded Derivatives revenue up 15%.
- S&P Dow Jones Indices revenue increased 15%, driven by Asset-Linked Fees up 17% and Exchange-Traded Derivatives revenue up 15%; operating margin improved 60 basis points to 71.3%.
- S&P Global reported 6% year-over-year revenue growth in Q2 2025, with subscription revenue up 7%.
- Trailing 12-month margin expanded by 150 basis points driven by disciplined expense management and strategic investments.
- Trailing 12-month margin expansion of 150 basis points was delivered through strategic investments and disciplined expense management.
- A $37.7 million pretax gain on prior investments, including $29.4 million from Voyager Technologies, contributed to strong results.
- Average loans increased 12.7% to $36.4 billion and average deposits increased 10.7% to $55.6 billion, reflecting organic growth and Heartland acquisition impact.
- CET1 capital ratio increased 28 basis points to 10.39% following a $294 million Series B preferred stock offering and redemption of $115 million Series A preferred stock.
- Excluding acquisition and nonrecurring items, net operating income was $225.4 million or $2.96 per share.
- Legacy UMB average loan balances increased 15.3% annualized, outpacing peer banks' median 5.2% increase.
- Net charge-offs for legacy UMB were $9 million or 13 basis points; total net charge-offs including acquired loans were 17 basis points.
- Nonperforming loans to total loans improved 2 basis points to 26 basis points; legacy UMB NPLs were 10 basis points compared to peer median of 0.50%.
- UMB Financial reported net income available for common shareholders of $215.4 million in Q2 2025, including $13.5 million of acquisition expenses.
- Average deposits declined just over 1%, with non-interest bearing deposits stable at 38%.
- Average loans grew almost 1% for the quarter and period-end loans increased approximately 3%.
- Capitalization remained strong with an estimated CET1 ratio of 11.94%, well above the 10% strategic target.
- Net charge-offs were 22 basis points, at the low end of the normal range and flat quarter-over-quarter.
- Net interest income remained stable at $575 million for the third consecutive quarter.
- Non-interest expenses decreased $23 million due to lower litigation expenses and salaries, with some offsetting increases in advertising and outside processing.
- Non-interest income increased $20 million driven by higher loan volumes, capital markets income, and seasonal benefits.
- Reported earnings per share of $1.42, a nearly 14% increase over the prior quarter.
- Returned $193 million to shareholders through dividends and share repurchases, including $100 million in share repurchases in Q2.
- Horace Mann reported second quarter core earnings per share of $1.06, nearly tripling prior year results.
- Individual Supplemental and Group Benefits segment contributed $13 million to core earnings, with record Individual Supplemental sales up 43% year-over-year.
- Life and Retirement segment core earnings doubled to $25 million, driven by higher net investment income and lower mortality costs.
- Net premiums and contract charges earned increased by 8%, with total revenues up 6%.
- Property and Casualty segment core earnings improved by $25 million to $17 million, with a combined ratio of 97%, a 14.5-point improvement over prior year.
- Adjusted EBITDA rose 35% to $31.8 million compared to last year.
- Consumer segment revenue grew 12% with segment profit up 19%.
- Home segment revenue increased 25%, driven by a 38% rise in home equity revenue.
- Insurance segment showed 21% year-over-year growth, with higher bids and budgets.
- LendingTree reported Q2 revenue of $250 million, a 19% year-over-year increase.
- Small business loan revenue surged 61%, and personal loan revenue increased 14%.
- The company achieved profitability for the fifth consecutive period of year-over-year revenue growth.
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