What is SiriusPoint's casualty — year 3?

SiriusPoint (SPNT) reported casualty — year 3 of 23.4% in Q4 2025.

How has SiriusPoint's casualty — year 3 changed year-over-year?

SiriusPoint's casualty — year 3 increased by 5.9% year-over-year, from 22.1% to 23.4%.

What does casualty — year 3 mean?

This metric captures the loss development or reserve status for the third year following the accident year for the casualty segment. It serves as a benchmark for evaluating the long-term accuracy of loss projections as the majority of claims in this cohort reach settlement. This helps investors assess the ultimate profitability of casualty underwriting cycles.

SiriusPoint SPNT Casualty — Year 3

Other product segments

Other Specialties

56.1%+113%

Property Catastrophe

44.1%-4.1%

Property Other

41.4%+40.8%

Other

15.8%-0.6%

A&H

6.5%+3.2%

Similar metrics at other companies

ACGLCasualty — Year Three

11.8%-0.1pp

KNSLCasualty - occurrence — Historical Claims Duration, Year Three

11.7%-0.9pp

EGCasualty Insurance — Year three

25.9%—

KNSLCasualty - claims made — Historical Claims Duration, Year Three

21.5%-0.4pp

SIGICasualty lines — Short-duration insurance contracts, historical claims duration, year three

16.9%-0.3pp

RNRCasualty and Specialty — Average annual percentage payout, year three

12.6%+0.2pp

Other financials

Income statement

See full

Revenue$774.6M+6.5%

Net income$102.2M+65.9%

EPS (diluted)$0.82+67.3%

Balance sheet

See full

Cash & equivalents$1.0B+9.2%

Total debt$702.9M+2.2%

Total equity$2.3B+13.7%

Total assets$12.5B+1.6%

Cash flow

See full

Operating cash flow$141.9M+260%

Valuation

See full

Market cap$2.78B+25.6%

Enterprise value$2.47B+25.1%

P/E5.6×-6.5×

P/S0.9×0.0×

Profitability

See full

Net margin15.4%+8.4pp

Returns & leverage

See full

Return on equity23.1%+15.2pp

Debt / equity0.3×0.0×

Where this comes from

Reported directly by SiriusPoint in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: SiriusPoint’s 10-K, filed February 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SiriusPoint's casualty — year 3?: SiriusPoint (SPNT) reported casualty — year 3 of 23.4% in Q4 2025.
How has SiriusPoint's casualty — year 3 changed year-over-year?: SiriusPoint's casualty — year 3 increased by 5.9% year-over-year, from 22.1% to 23.4%.
What does casualty — year 3 mean?: This metric captures the loss development or reserve status for the third year following the accident year for the casualty segment. It serves as a benchmark for evaluating the long-term accuracy of loss projections as the majority of claims in this cohort reach settlement. This helps investors assess the ultimate profitability of casualty underwriting cycles.