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AXIS Capital
AXIS Capital (AXS) investor relations material
AXIS Capital Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved 13 consecutive quarters of diluted book value per share growth, with an 18.3% increase to $77.20 at year-end 2025.
Delivered record gross written premiums of $9.64 billion in 2025, up 7.1% year-over-year.
Net income for 2025 was $978.6 million ($12.35 per share), with operating income of $1.02 billion ($12.92 per share).
Maintained a strong performance culture, investing in technology, operational efficiency, and specialty strategy.
Returned $1.0 billion to shareholders in 2025, including $888 million in share repurchases and $139 million in dividends.
Financial highlights
Combined ratio improved to 89.8% for 2025, the lowest since 2010; Q4 combined ratio was 90.4%.
Net investment income for 2025 was $767 million, up 1% from 2024.
Underwriting income for the year was $725 million, up 27% year-over-year.
Annualized ROACE for 2025 was 17.3%; annualized operating ROACE at 18.1%.
Catastrophe and weather-related losses ratio for the year was 2.8%.
Outlook and guidance
Expect mid- to high single-digit growth in gross written premiums for insurance in 2026, maintaining premium adequacy.
Combined ratio guidance for 2026 is around 90%, with normalized cat loss ratio expected at 4-5%.
Targeting an 11% G&A ratio in 2026, with continued investment in technology and operational efficiency.
Reinsurance gross premiums could decline by double digits in 2026, but underwriting profitability is expected to remain strong.
Management highlights ongoing focus on underwriting discipline, portfolio optimization, and specialty strategy.
Reinsurance underwriting income decline drivers?
Explain the 2025 income tax expense increase.
LPT transaction's long-term investment income impact?
Quantify 2026 efficiency gains from AI/tech investments
What conditions would change cyber growth strategy?
Reinsurance GWP decline: capital reallocation impact?
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Next AXIS Capital earnings date
Q1 202630 Apr, 2026
AXIS Capital
Next AXIS Capital earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
AXIS Capital Holdings Limited is a global provider of specialty insurance and reinsurance products. The company offers solutions across various lines, including property, casualty, professional lines, and marine insurance. AXIS Capital serves businesses, governments, and institutions, focusing on risk management and tailored coverage. The company is headquartered in Pembroke, Bermuda, and its shares are listed on the NYSE.
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