--- title: "ACGLO 5.45 P12/31/49 F | 8-K: FY2025 Q2 Revenue: USD 4.337 B" type: "News" locale: "en" url: "https://longbridge.com/en/news/250654874.md" datetime: "2025-07-29T20:12:22.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/250654874.md) - [en](https://longbridge.com/en/news/250654874.md) - [zh-HK](https://longbridge.com/zh-HK/news/250654874.md) generator: "portal-rs" --- # ACGLO 5.45 P12/31/49 F | 8-K: FY2025 Q2 Revenue: USD 4.337 B Revenue: As of FY2025 Q2, the actual value is USD 4.337 B. EPS: As of FY2025 Q2, the actual value is USD 3.23. EBIT: As of FY2025 Q2, the actual value is USD 1.411 B. ### Insurance Segment - **Gross Premiums Written**: $2,681 million, up 27.5% from $2,102 million in Q2 2024. - **Net Premiums Written**: $2,036 million, up 30.7% from $1,558 million in Q2 2024. - **Net Premiums Earned**: $1,969 million, up 33.2% from $1,478 million in Q2 2024. - **Underwriting Income**: $129 million, up 18.3% from $109 million in Q2 2024. - **Loss Ratio**: 59.8%, up from 57.3% in Q2 2024. - **Underwriting Expense Ratio**: 33.6%, down from 35.3% in Q2 2024. - **Combined Ratio**: 93.4%, up from 92.6% in Q2 2024. ### Reinsurance Segment - **Gross Premiums Written**: $3,196 million, up 8.7% from $2,941 million in Q2 2024. - **Net Premiums Written**: $2,059 million, up 5.8% from $1,947 million in Q2 2024. - **Net Premiums Earned**: $2,087 million, up 17.2% from $1,780 million in Q2 2024. - **Underwriting Income**: $451 million, up 23.2% from $366 million in Q2 2024. - **Loss Ratio**: 54.1%, down from 56.5% in Q2 2024. - **Underwriting Expense Ratio**: 24.4%, up from 23.0% in Q2 2024. - **Combined Ratio**: 78.5%, down from 79.5% in Q2 2024. ### Mortgage Segment - **Gross Premiums Written**: $323 million, down 5.0% from $340 million in Q2 2024. - **Net Premiums Written**: $253 million, down 8.3% from $276 million in Q2 2024. - **Net Premiums Earned**: $281 million, down 8.5% from $307 million in Q2 2024. - **Underwriting Income**: $238 million, down 17.1% from $287 million in Q2 2024. - **Loss Ratio**: -1.2%, up from -8.6% in Q2 2024. - **Underwriting Expense Ratio**: 16.4%, up from 16.0% in Q2 2024. - **Combined Ratio**: 15.2%, up from 7.4% in Q2 2024. ### Corporate - **Net Investment Income**: $405 million, up from $364 million in Q2 2024. - **Net Realized Gains**: $229 million, up from $122 million in Q2 2024. - **Equity in Net Income of Investments**: $162 million, down from $167 million in Q2 2024. - **Net Foreign Exchange Losses**: -$88 million, compared to gains of $1 million in Q2 2024. - **Income Tax Expense**: $214 million, up from $97 million in Q2 2024. ### Segment Revenue - **Gross premiums written**: $6,196 million for the three months ended June 30, 2025, compared to $5,382 million for the same period in 2024, an increase of 15.1%. - **Net premiums written**: $4,348 million for the three months ended June 30, 2025, compared to $3,781 million for the same period in 2024, an increase of 15.0%. - **Net premiums earned**: $4,337 million for the three months ended June 30, 2025, compared to $3,565 million for the same period in 2024, an increase of 21.7%. ### Operational Metrics - **Net income available to Arch common shareholders**: $1,227 million for the three months ended June 30, 2025, compared to $1,259 million for the same period in 2024, a decrease of 2.5%. - **Underwriting income**: $818 million for the three months ended June 30, 2025, compared to $762 million for the same period in 2024, an increase of 7.3%. - **Loss ratio**: 53.1% for the three months ended June 30, 2025, compared to 51.2% for the same period in 2024. - **Acquisition expense ratio**: 19.0% for the three months ended June 30, 2025, compared to 17.8% for the same period in 2024. - **Other operating expense ratio**: 9.1% for the three months ended June 30, 2025, compared to 9.7% for the same period in 2024. - **Combined ratio**: 81.2% for the three months ended June 30, 2025, compared to 78.7% for the same period in 2024. ### Cash Flow - **Net cash provided by operating activities**: $1,124 million for the three months ended June 30, 2025, compared to $1,518 million for the same period in 2024, a decrease of 26.0%. ### Unique Metrics - **Net investment income**: $405 million for the three months ended June 30, 2025, compared to $364 million for the same period in 2024, an increase of 11.3%. - **Net realized gains**: $229 million for the three months ended June 30, 2025, compared to $122 million for the same period in 2024. ### Outlook / Guidance - The company emphasizes its disciplined underwriting approach and dynamic capital management to consistently generate superior returns across market cycles. - The company expects continued growth in gross premiums written and net premiums written, driven by strong performance in the insurance and reinsurance segments. ### Related Stocks - 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