What is Axis Capital Holders's insurance — year 5?

Axis Capital Holders (AXS) reported insurance — year 5 of 13.3% in Q4 2025.

What does insurance — year 5 mean?

Represents the insurance segment's claims development or liability exposure for the fifth underwriting year. This data point is critical for assessing the tail-risk management and historical reserve adequacy of the insurance portfolio.

Axis Capital Holders AXS Insurance — Year 5

Other segment segments

Reinsurance

9.6%+60.0%

Similar metrics at other companies

HIGProperty Insurance — 5th Year

1.9%-0.4pp

EGProperty Insurance — Year five

8.8%+0.9pp

FRHCLife Insurance — 5

-233.5%—

AFGProperty and casualty insurance — Year 5

9.4%-3.7pp

HIGGroup Insurance Policy — 5th Year

6.2%-0.1pp

AIGU.S. Personal Insurance — Year 5 (as a percent)

2.6%+0.1pp

Other financials

Income statement

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Revenue$1.6B+8.0%

Net income$254.8M+31.3%

EPS (diluted)$3.29+45.6%

Balance sheet

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Cash & equivalents$862.4M-68.7%

Total debt$110.2M+2.7%

Total equity$6.4B+8.1%

Total assets$35.6B+7.1%

Cash flow

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Operating cash flow$519.4M+68.0%

CapEx$14.4M+97.9%

Free cash flow$505.0M+67.3%

Valuation

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Market cap$7.45B-7.4%

Enterprise value$6.69B+23.9%

P/E7×-2.2×

P/S1.1×-0.2×

Profitability

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Net margin16%+1.5pp

FCF margin-6.9%-32.6pp

Returns & leverage

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Return on equity17.4%+2.0pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Axis Capital Holders in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: Axis Capital Holders’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Axis Capital Holders's insurance — year 5?: Axis Capital Holders (AXS) reported insurance — year 5 of 13.3% in Q4 2025.
What does insurance — year 5 mean?: Represents the insurance segment's claims development or liability exposure for the fifth underwriting year. This data point is critical for assessing the tail-risk management and historical reserve adequacy of the insurance portfolio.