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QBE Insurance Group (QBE) investor relations material
QBE Insurance Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary26 Nov, 2025
Executive summary
On track for another year of exceptional performance, with strong business momentum and confidence in sustaining high returns.
Return on equity is expected to remain in the high teens for FY25, supported by targeted premium growth and strong underwriting and investment performance.
Announced an on-market buyback of AUD 450 million to be completed through 2026, funded by surplus capital.
Confident in delivering 2025 guidance for growth and combined operating ratio, with early guidance for 2026 indicating continued strong returns.
Planning for FY26 is well advanced, with expectations of further premium growth and a stable combined operating ratio.
Financial highlights
Gross Written Premium (GWP) growth of 6% year-over-year, with ex-rate growth at 5%.
Excluding non-core run-off in North America and Crop, ex-rate GWP growth was 7%.
Premium rate increases year-to-date around 1.5%, with higher increases (4%) outside commercial property and Lloyd's.
Group premium rate increases were -1.5% for the nine months, mainly due to commercial property lines.
Investment returns remained strong, with a core fixed income yield of 3.7% and total investment FUM at $34.8 billion.
Outlook and guidance
2026 combined operating ratio guidance set at around 92.5%, reflecting improved stability and visibility of profits.
Premium rate increases for 2026 expected to be similar to 2025, with focus on sustainable mid-single-digit volume growth.
FY25 constant currency GWP growth is expected in the mid-single digits, including a ~$250 million drag from non-core run-off in North America.
Key drivers for 2026: normalization of catastrophe and large risk costs, supportive operating environment, and further margin expansion from performance initiatives.
No reserve releases planned for 2026; cost growth expected to remain below revenue growth, improving expense ratio.
What drives the shift to active capital management?
What actions address higher ex-cat claims ratio?
Explain rate adequacy despite negative rates.
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Next QBE Insurance Group earnings date
Q4 202519 Feb, 2026
Next QBE Insurance Group earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
QBE Insurance Group Limited is an Australian insurance company that provides property, casualty, motor, and health insurance products. The company operates in North America, Europe, Asia Pacific, and Australia through direct sales and broker channels. It serves individuals, businesses, and institutions with risk management solutions. QBE Insurance Group Limited is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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