<p>Fidelis Insurance Holdings Ltd.（FIHL）已舉行其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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<p>Fidelis Insurance Holdings Ltd.最近舉行了財報電話會議，透露出總體積極的情緒和強勁的財務表現。公司報告了創紀錄的綜合比率和保費增長，同時進行了戰略性股票回購。然而，也提到了淨保費收入下降、航空行業問題以及財產險定價壓力等挑戰。</p>
<h2>創紀錄的綜合比率</h2>
<p>Fidelis Insurance Holdings Ltd.報告本季度創紀錄的綜合比率為 79%，這是自上市以來的最佳表現。這比去年同期提高了 8 個點，展示了公司的強大運營效率。</p>
<h2>強勁的運營 ROAE</h2>
<p>公司實現了 21.4% 的年化運營平均股本回報率（ROAE），比去年增長了 5 個點。這一顯著改善突顯了公司有效的管理和產生股本回報的能力。</p>
<h2>毛保費書寫增長</h2>
<p>毛保費書寫增長了 8%，達到 7.98 億美元，年初至今的數字為 37 億美元，與去年同期相比也增長了 8%。這一增長反映了公司強勁的業務擴展和市場滲透。</p>
<h2>再保險保費增長</h2>
<p>再保險部門實現了 20% 的年同比保費增長。這得益於定價的提升和新的商業機會，特別是在加州野火等事件之後，展示了公司在捕捉市場機會方面的戰略靈活性。</p>
<h2>戰略性股票回購</h2>
<p>Fidelis 在第三季度戰略性回購了 180 萬股普通股，耗資 3200 萬美元，平均每股價格為 17.40 美元。後續回購使總數達到 960 萬股，表明公司對回饋股東的強烈承諾。</p>
<h2>淨保費收入下降</h2>
<p>儘管毛保費增長，淨保費收入與 2024 年相比下降了 5%。這主要是由於業務組合和在收益模式較長的業務線中毛保費的增加，突顯了戰略調整的必要性。</p>
<h2>航空行業的挑戰</h2>
<p>航空船體和責任領域對 Fidelis 來説仍然具有挑戰性，競爭加劇且在損失事件後市場修正不足。該領域在實現預期盈利水平方面繼續面臨困難。</p>
<h2>財產險的壓力</h2>
<p>儘管保持強勁的利潤率，Fidelis 在某些業務線，特別是直接財產險方面面臨定價壓力。這需要謹慎的戰略性容量部署，以有效應對競爭環境。</p>
<h2>前瞻性指導</h2>
<p>展望未來，Fidelis Insurance Group 仍專注於嚴格的風險選擇、資本配置和擴展承保合作伙伴關係。公司旨在保持強大的客户保留率和在困難市場中的定位，同時繼續實現毛保費和運營淨收入的增長。</p>
<p>總之，Fidelis Insurance Holdings Ltd.的財報電話會議反映出積極的前景，財務指標強勁，戰略舉措得當。儘管在某些行業面臨挑戰，公司仍處於良好的增長軌道上，能夠為股東創造價值。</p>

FIHL

<p>Fidelis Insurance Holdings Ltd. 報告了強勁的第三季度財務表現，創下 79% 的歷史最低綜合比率和 21.4% 的運營淨資產收益率。書面毛保費增長了 8%，再保險保費增加了 20%。公司回購了 180 萬股，耗資 3200 萬美元。面臨的挑戰包括淨保費收入減少、航空行業問題以及財產險的定價壓力。Fidelis 旨在實現有序的風險選擇，並在毛保費和運營淨收入方面實現增長</p>

<p>Fidelis Insurance Holdings Ltd. ((FIHL)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Fidelis Insurance Holdings Ltd.（FIHL）已舉行其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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</div><p>Fidelis Insurance Holdings Ltd. recently held its earnings call, revealing a generally positive sentiment with strong financial performance. The company reported record combined ratios and growth in premiums, alongside strategic share repurchases. However, challenges such as decreased net premiums earned, issues in the aviation sector, and pricing pressures in property lines were also noted.</p>
<div class="lb-trans"><p>Fidelis Insurance Holdings Ltd.最近舉行了財報電話會議，透露出總體積極的情緒和強勁的財務表現。公司報告了創紀錄的綜合比率和保費增長，同時進行了戰略性股票回購。然而，也提到了淨保費收入下降、航空行業問題以及財產險定價壓力等挑戰。</p>
</div><h2>Record Combined Ratio</h2>
<div class="lb-trans"><h2>創紀錄的綜合比率</h2>
</div><p>Fidelis Insurance Holdings Ltd. reported a record combined ratio of 79% for the quarter, marking their best performance since becoming publicly traded. This represents an improvement of more than 8 points from the same quarter last year, showcasing the company’s strong operational efficiency.</p>
<div class="lb-trans"><p>Fidelis Insurance Holdings Ltd.報告本季度創紀錄的綜合比率為 79%，這是自上市以來的最佳表現。這比去年同期提高了 8 個點，展示了公司的強大運營效率。</p>
</div><h2>Strong Operating ROAE</h2>
<div class="lb-trans"><h2>強勁的運營 ROAE</h2>
</div><p>The company achieved an annualized operating return on average equity (ROAE) of 21.4%, which is an increase of 5 points year over year. This significant improvement highlights the company’s effective management and ability to generate returns on equity.</p>
<div class="lb-trans"><p>公司實現了 21.4% 的年化運營平均股本回報率（ROAE），比去年增長了 5 個點。這一顯著改善突顯了公司有效的管理和產生股本回報的能力。</p>
</div><h2>Growth in Gross Premiums Written</h2>
<div class="lb-trans"><h2>毛保費書寫增長</h2>
</div><p>Gross premiums written increased by 8% to $798 million in the quarter, with the year-to-date figure standing at $3.7 billion, also an 8% increase compared to the same period last year. This growth reflects the company’s robust business expansion and market penetration.</p>
<div class="lb-trans"><p>毛保費書寫增長了 8%，達到 7.98 億美元，年初至今的數字為 37 億美元，與去年同期相比也增長了 8%。這一增長反映了公司強勁的業務擴展和市場滲透。</p>
</div><h2>Reinsurance Premium Growth</h2>
<div class="lb-trans"><h2>再保險保費增長</h2>
</div><p>The reinsurance segment delivered a remarkable 20% year-on-year premium growth. This was driven by enhanced pricing and new business opportunities, particularly following events like the California wildfires, demonstrating the company’s strategic agility in capturing market opportunities.</p>
<div class="lb-trans"><p>再保險部門實現了 20% 的年同比保費增長。這得益於定價的提升和新的商業機會，特別是在加州野火等事件之後，展示了公司在捕捉市場機會方面的戰略靈活性。</p>
</div><h2>Strategic Share Repurchase</h2>
<div class="lb-trans"><h2>戰略性股票回購</h2>
</div><p>Fidelis strategically repurchased 1.8 million common shares for $32 million at an average price of $17.40 per share in the third quarter. Subsequent repurchases bring the total to 9.6 million shares for 2025, indicating a strong commitment to returning value to shareholders.</p>
<div class="lb-trans"><p>Fidelis 在第三季度戰略性回購了 180 萬股普通股，耗資 3200 萬美元，平均每股價格為 17.40 美元。後續回購使總數達到 960 萬股，表明公司對回饋股東的強烈承諾。</p>
</div><h2>Net Premiums Earned Decrease</h2>
<div class="lb-trans"><h2>淨保費收入下降</h2>
</div><p>Despite the growth in gross premiums, net premiums earned decreased by 5% compared to 2024. This was driven by business mix and higher gross premiums written in lines of business with longer earnings patterns, highlighting a need for strategic adjustments.</p>
<div class="lb-trans"><p>儘管毛保費增長，淨保費收入與 2024 年相比下降了 5%。這主要是由於業務組合和在收益模式較長的業務線中毛保費的增加，突顯了戰略調整的必要性。</p>
</div><h2>Challenges in Aviation Sector</h2>
<div class="lb-trans"><h2>航空行業的挑戰</h2>
</div><p>The aviation hull and liability sector remains challenging for Fidelis, with increased competition and insufficient market correction following loss events. This sector continues to pose difficulties in achieving desired profitability levels.</p>
<div class="lb-trans"><p>航空船體和責任領域對 Fidelis 來説仍然具有挑戰性，競爭加劇且在損失事件後市場修正不足。該領域在實現預期盈利水平方面繼續面臨困難。</p>
</div><h2>Pressure in Property Lines</h2>
<div class="lb-trans"><h2>財產險的壓力</h2>
</div><p>Despite maintaining strong margins, Fidelis faces pricing pressure in certain lines, particularly direct property. This requires careful strategic deployment of capacity to navigate the competitive landscape effectively.</p>
<div class="lb-trans"><p>儘管保持強勁的利潤率，Fidelis 在某些業務線，特別是直接財產險方面面臨定價壓力。這需要謹慎的戰略性容量部署，以有效應對競爭環境。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</h2>
</div><p>Looking ahead, Fidelis Insurance Group remains focused on disciplined risk selection, capital allocation, and expanding its underwriting partnerships. The company aims to maintain strong client retention and positioning in a hard market, with continued growth in gross premiums and operating net income.</p>
<div class="lb-trans"><p>展望未來，Fidelis Insurance Group 仍專注於嚴格的風險選擇、資本配置和擴展承保合作伙伴關係。公司旨在保持強大的客户保留率和在困難市場中的定位，同時繼續實現毛保費和運營淨收入的增長。</p>
</div><p>In summary, Fidelis Insurance Holdings Ltd.’s earnings call reflected a positive outlook with strong financial metrics and strategic initiatives. Despite facing challenges in certain sectors, the company is well-positioned to continue its growth trajectory and deliver value to shareholders.</p>
<div class="lb-trans"><p>總之，Fidelis Insurance Holdings Ltd.的財報電話會議反映出積極的前景，財務指標強勁，戰略舉措得當。儘管在某些行業面臨挑戰，公司仍處於良好的增長軌道上，能夠為股東創造價值。</p>
</div>

Fidelis Insurance 財報電話會議重點強調了強勁的增長