Revenue: As of FY2025 Q1, the actual value is USD 15.88 K.

EPS: As of FY2025 Q1, the actual value is USD 0.04.

EBIT: As of FY2025 Q1, the actual value is USD 522.

Commercial Lines

• Gross Written Premiums: $2.0 million, a decrease of 84.0% from $12.8 million in the first quarter of 2024.
• Net Written Premiums: -$1.6 million, a decrease of 119.4% from $8.3 million in the first quarter of 2024.
• Net Earned Premiums: $1.3 million, a decrease of 84.9% from $8.8 million in the first quarter of 2024.
• Net Losses and LAE: $1.5 million, with a calendar year loss ratio of 113.1%.

Personal Lines

• Gross Written Premiums: $14.1 million, an increase of 22.3% from $11.6 million in the first quarter of 2024.
• Net Written Premiums: $12.4 million, an increase of 75.2% from $7.1 million in the first quarter of 2024.
• Net Earned Premiums: $9.0 million, an increase of 11.1% from $8.1 million in the first quarter of 2024.
• Net Losses and LAE: $7.8 million, with a calendar year loss ratio of 86.3%.

Total Underwriting

• Net Earned Premiums: $10.3 million, a decrease of 38.9% from $16.9 million in the first quarter of 2024.
• Net Losses and LAE: $9.3 million, a decrease of 11.8% from $10.5 million in the first quarter of 2024.
• Underwriting Loss: -$4.2 million compared to a gain of $0.6 million in the first quarter of 2024.

Corporate

• Net Investment Income: $1.3 million, a decrease of 16.6% from $1.5 million in the first quarter of 2024.
• Net Realized Investment Gains: $3, compared to $0 in the first quarter of 2024.
• Change in Fair Value of Equity Securities: -$192, compared to $43 in the first quarter of 2024.
• Interest Expense: $541, a decrease of 38.3% from $877 in the first quarter of 2024.

Outlook

The company plans to focus on increasing the RBC ratio of CIC above 200% by not paying intercompany service fees in 2025 and potentially entering into a quota share agreement with its homeowners book of business. Additional contributions to CIC may be necessary to achieve this target.