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Aspen Insurance
Aspen Insurance (AHL) investor relations material
Aspen Insurance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net income available to ordinary shareholders was $111 million ($1.21 per diluted share) for Q3 2025 and $166 million ($1.82 per diluted share) for the nine months ended September 30, 2025, with strong underwriting and investment results.
Operating income reached $100 million ($1.08 per diluted share) in Q3 and $261 million ($2.86 per diluted share) for the nine months, reflecting improved underwriting discipline and cycle management.
Combined ratio improved by 8.4 percentage points year-over-year to 86.8% in Q3, with adjusted combined ratio at 87.3%.
Aspen Capital Markets fee income grew 6.4% in Q3 and 29.8% year-over-year for the nine months, reaching $146 million.
Book value per ordinary share increased 20.9% year-over-year to $30.21 as of September 30, 2025.
Financial highlights
Gross written premiums rose 0.9% in Q3 and 1.5% for the nine months year-over-year, driven by growth in U.S. Excess Casualty and Financial & Professional Lines, offset by reductions in Property lines.
Underwriting income was $94 million in Q3 (up 186.1% year-over-year) and $222 million for the nine months.
Net investment income was $82 million in Q3 and $238 million for the nine months, with total return on average cash and investments at 1.5% for Q3 and 5.0% for the nine months.
Annualized operating return on average equity was 14.8% in Q3 and 13.5% for the nine months.
Outlook and guidance
Management expects to deliver a mid-teens operating return on equity for the full year, maintaining focus on underwriting discipline and sustainable profitability.
The acquisition by Sompo Group is expected to close in the first half of 2026, pending regulatory approval.
Sompo acquisition's strategic implications
LPT contract's future balance sheet impact
Future growth drivers for Aspen Capital Markets
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Next Aspen Insurance earnings date
Q4 202527 Feb, 2026
Aspen Insurance
Next Aspen Insurance earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Aspen Insurance Holdings Limited is a Bermuda-based specialty insurance and reinsurance company. The company provides coverage in areas such as property, casualty, marine, energy, and financial institutions. It operates globally through a network of subsidiaries and underwriters, offering risk management solutions for complex exposures. It is headquartered in Hamilton, Bermuda, and its shares are listed on the NYSE.
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