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Ategrity (ASIC) investor relations material
Ategrity Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Achieved record results with 30.1% year-over-year gross written premium growth to $143.9 million and 78% adjusted net income growth, outpacing E&S market trends.
Adjusted net income attributable to stockholders was $22.8 million, or $0.46 per diluted share, reflecting strong core performance.
Combined ratio improved to 88.7% from 95.3%, reflecting operating leverage, disciplined underwriting, and lower loss and expense ratios.
Book value per share increased 18.0% from year-end to $12.24.
Growth driven by specialization, analytics, automation, and a broad distribution network.
Financial highlights
Net premiums earned for Q3 2025 were $93.7 million, up from $72.9 million in Q3 2024.
Underwriting income rose 208% to $10.6 million year-over-year.
Net investment income was $11 million, up from $6.8 million; realized/unrealized gains added $9.2 million.
Book value per share ended at $12.24; cash and investments increased by $86 million to $1.1 billion.
Return on stockholders' equity was 15.8% for the quarter.
Outlook and guidance
Targeting 30% year-over-year premium growth in Q4, maintaining growth 20+ percentage points above the E&S market.
Aiming for a 90% combined ratio in the fourth quarter.
Expecting Q4 fee income of about $1.5 million, with some increase in operating expense ratio.
Management expects continued profitable growth, supported by investments in automation and analytics.
Ongoing execution of growth initiatives and technology-driven underwriting.
How do evolving coverage needs impact pricing?
Explain innovation lab's platform integration.
Describe the profile of new distribution partners.
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