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Loss Ratio
Measures the proportion of claims paid out relative to premiums earned, indicating underwriting profitability and risk management efficiency.Loss ratios have moved from elevated, volatile peaks to a pronounced improvement in 2024–2025, but management admits much of the gain stems from concentrated favorable prior‑year auto reserve development (~$840M) plus targeted rate, reinsurance and mix actions; that supports hefty capital returns today but also means the improvement may be partially transitory—monitor reserve releases, frequency/severity trends and homeowners expense reallocation to judge whether underlying underwriting strength can sustain lower loss levels.
Date | Loss Ratio |
|---|---|
Jun 30, 2026 | 64.80 |
Mar 31, 2026 | 60.70 |
Dec 31, 2025 | 51.20 |
Sep 30, 2025 | 58.30 |
Jun 30, 2025 | 70.30 |
Mar 31, 2025 | 76.00 |
Dec 31, 2024 | 63.70 |
Sep 30, 2024 | 74.90 |
Jun 30, 2024 | 79.80 |
Mar 31, 2024 | 72.40 |