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SPNT logoSiriusPoint Ltd.(SPNT)Earnings, Financials & Key Ratios

SPNT•NYSE•Insurance & Managed Care
$23.28
$2.72B mkt cap·6.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryReinsuranceSub-IndustryProperty and casualty reinsurers
AboutSiriusPoint Ltd. provides multi-line insurance and reinsurance products and services worldwide. The company operates through two segments, Reinsurance, and Insurance & Services. The Reinsurance segment provides coverage to various product lines, which includes aviation and space, casualty, contingency, credit and bond, marine and energy, mortgage, and property to insurance and reinsurance companies, government entities, and other risk bearing vehicles. The Insurance & Services segment offers coverage to various product lines comprising accident and health, environmental, workers' compensation, and other lines of business, including a cross section of property and casualty lines. The company was formerly known as Third Point Reinsurance Ltd. and changed its name to SiriusPoint Ltd. in February 2021. SiriusPoint Ltd. was incorporated in 2011 and is headquartered in Pembroke, Bermuda.Show more
  • Revenue$3.21B+22.6%
  • Combined Ratio83.11%-8.8%
  • Net Income$460M+129.9%
  • Return on Equity20.84%+133.0%
  • Medical Cost Ratio47.41%-34.3%
  • Operating Margin16.89%+89.4%
  • Net Margin14.34%+87.5%
  • ROA7.27%+361.7%
  • Equity / Assets2038.7%+13070.2%
  • Book Value per Share20.31+77.5%
  • Tangible BV/Share19.32+122.6%
  • Debt/Equity0.28-15.5%
Technical→

SPNT Key Insights

SiriusPoint Ltd. (SPNT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 83.1% combined ratio
  • ✓Strong 5Y profit CAGR of 26.2%
  • ✓Low loss ratio of 47.4%
  • ✓Good 3Y average ROE of 15.1%
  • ✓Share count reduced 28.2% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

SPNT Price & Volume

SiriusPoint Ltd. (SPNT) stock price & volume — 10-year historical chart

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SPNT Growth Metrics

SiriusPoint Ltd. (SPNT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.68%
5 Years29.37%
3 Years13.86%
TTM21.99%

Profit CAGR

10 Years-
5 Years26.16%
3 Years-
TTM129.91%

EPS CAGR

10 Years-
5 Years18.99%
3 Years-
TTM278.07%

Return on Capital

10 Years1.9%
5 Years1.83%
3 Years4.77%
Last Year8.56%

SPNT Recent Earnings

SiriusPoint Ltd. (SPNT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 3/12 qtrs (75%)
Q1 2026Latest
Feb 18, 2026
EPS
$0.70
Est $0.54
+29.6%
Revenue
$898M
Est $706M
+27.3%
Q4 2025
Oct 30, 2025
EPS
$0.72
Est $0.51
+41.2%
Revenue
$754M
Est $564M
+33.6%
Q3 2025
Aug 4, 2025
EPS
$0.66
Est $0.56
+17.9%
Revenue
$748M
Est $739M
+1.2%
Q2 2025
May 5, 2025
EPS
$0.49
Est $0.26
+88.5%
Revenue
$79M
Est $697M
-88.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 18, 2026
$0.70vs $0.54+29.6%
$898Mvs $706M+27.3%
Q4 2025Oct 30, 2025
$0.72vs $0.51+41.2%
$754Mvs $564M+33.6%
Q3 2025Aug 4, 2025
$0.66vs $0.56+17.9%
$748Mvs $739M+1.2%
Q2 2025May 5, 2025
$0.49vs $0.26+88.5%
$79Mvs $697M-88.7%
Based on last 12 quarters of dataView full earnings history →

SPNT Peer Comparison

SiriusPoint Ltd. (SPNT) competitors in Property and casualty reinsurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RNR logoRNRRenaissanceRe Holdings Ltd.Direct Competitor13.06B302.635.349.45%26.93%16.59%0.12
ACGL logoACGLArch Capital Group Ltd.Direct Competitor33.74B94.708.1514.27%22.07%19.02%0.11
GLRE logoGLREGreenlight Capital Re, Ltd.Direct Competitor606.27M17.848.227.47%11.46%11.68%0.01
PFSI logoPFSIPennyMac Financial Services, Inc.Direct Competitor4.54B86.949.35173.81%12.02%5.35
PLMR logoPLMRPalomar Holdings, Inc.Direct Competitor2.94B110.7515.4558.16%22.56%22.79%0.01
KNTK logoKNTKKinetik Holdings Inc.Direct Competitor3.32B48.2218.3318.98%14.31%8.96%1.32
MKL logoMKLMarkel CorporationProduct Competitor22.34B1785.5810.55-0.96%10.7%9.56%0.23
TRV logoTRVThe Travelers Companies, Inc.Product Competitor65.22B301.5910.995.17%12.88%19.12%0.28

Compare SPNT vs Peers

SiriusPoint Ltd. (SPNT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RNR

Most directly comparable listed peer for SPNT.

Scale Benchmark

vs MMC

Larger-name benchmark to compare SPNT against a more recognizable public peer.

Peer Set

Compare Top 5

vs RNR, ACGL, GLRE, PFSI

SPNT Income Statement

SiriusPoint Ltd. (SPNT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue926.71M377.51M979M884.5M2.22B2.17B2.7B2.61B3.21B
Revenue Growth %30.79%-59.26%159.33%-9.65%151.52%-2.39%24.44%-3.28%22.62%
Medical Costs & Claims571.64M654.52M699.1M652.4M1.71B2.05B1.85B1.89B1.52B
Medical Cost Ratio %61.68%173.38%71.41%73.76%77.06%94.41%68.61%72.13%47.41%
Gross Profit
355.07M▲ 0%
-277.01M▼ 178.0%
279.9M▲ 201.0%
232.1M▼ 17.1%
510.4M▲ 119.9%
121.3M▼ 76.2%
848.4M▲ 599.4%
728.4M▼ 14.1%
1.69B▲ 131.4%
Gross Margin %38.32%-73.38%28.59%26.24%22.94%5.59%31.39%27.87%52.59%
Gross Profit Growth %332.66%-178.01%201.04%-17.08%119.91%-76.23%599.42%-14.14%131.41%
Operating Expenses61.33M44.47M78.6M80.2M465.3M544M529.7M495.3M1.14B
OpEx / Revenue %6.62%11.78%8.03%9.07%20.92%25.05%19.6%18.95%35.7%
Depreciation & Amortization00005.9M8.1M11.1M11.9M1.5M
Combined Ratio %68.3%185.16%79.44%82.83%97.97%119.46%88.21%91.08%83.11%
Operating Income
293.75M▲ 0%
-321.48M▼ 209.4%
201.3M▲ 162.6%
151.9M▼ 24.5%
45.1M▼ 70.3%
-422.7M▼ 1037.3%
318.7M▲ 175.4%
233.1M▼ 26.9%
541.3M▲ 132.2%
Operating Margin %31.7%-85.16%20.56%17.17%2.03%-19.46%11.79%8.92%16.89%
Operating Income Growth %752.21%-209.44%162.62%-24.54%-70.31%-1037.25%175.4%-26.86%132.22%
EBITDA301.97M-313.25M209.5M160.1M51M-414.6M329.8M245M542.8M
EBITDA Margin %32.59%-82.98%21.4%18.1%2.29%-19.09%12.2%9.37%16.94%
Interest Expense8.22M8.23M8.2M8.2M34M38.6M64.1M69.6M79.7M
Non-Operating Income-8.22M-8.23M-8.2M-8.2M-34M-38.6M-64.1M-69.6M-79.7M
Pretax Income
293.75M▲ 0%
-321.48M▼ 209.4%
201.3M▲ 162.6%
151.9M▼ 24.5%
45.1M▼ 70.3%
-422.7M▼ 1037.3%
318.7M▲ 175.4%
233.1M▼ 26.9%
541.3M▲ 132.2%
Pretax Margin %31.7%-85.16%20.56%17.17%2.03%-19.46%11.79%8.92%16.89%
Income Tax11.98M-4.01M700K8.1M-10.7M-36.7M-45M30.7M81.2M
Effective Tax Rate %4.08%1.25%0.35%5.33%-23.73%8.68%-14.12%13.17%15%
Net Income
277.8M▲ 0%
-317.69M▼ 214.4%
200.6M▲ 163.1%
143.8M▼ 28.3%
58.1M▼ 59.6%
-386.8M▼ 765.7%
354.8M▲ 191.7%
199.9M▼ 43.7%
459.6M▲ 129.9%
Net Margin %29.98%-84.15%20.49%16.26%2.61%-17.81%13.13%7.65%14.34%
Net Income Growth %905.24%-214.36%163.14%-28.32%-59.6%-765.75%191.73%-43.66%129.91%
EPS (Diluted)
2.64▲ 0%
-3.27▼ 223.9%
2.16▲ 166.1%
1.53▼ 29.2%
0.27▼ 82.4%
-2.51▼ 1029.6%
1.85▲ 173.7%
1.04▼ 43.8%
3.65▲ 251.0%
EPS Growth %915.38%-223.86%166.06%-29.17%-82.35%-1029.63%173.71%-43.78%250.96%
EPS (Basic)2.71-3.272.181.540.28-2.511.931.063.81
Diluted Shares Outstanding105.23M97.05M92.65M92.96M150.16M160.23M169.61M169.47M121.65M

SPNT Balance Sheet

SiriusPoint Ltd. (SPNT) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets4.67B3.09B3.44B3.54B10.62B11.04B12.87B12.52B121.2M
Asset Growth %19.92%-33.94%11.45%2.78%200.36%3.94%16.63%-2.69%-99.03%
Total Investment Assets2.96B1.52B989.7M1.16B4.53B8.77B6.08B5.71B5.6B
Long-Term Investments2.96B1.52B125.07M105.3M1.37B5.15B6.08B5.71B5.6B
Short-Term Investments00001.08B3.62B03.12B0
Total Current Assets11.76M711.39M008.55B5.26B969.2M00
Cash & Equivalents8.2M104.18M639.41M526M999.8M705.3M969.2M682M902.4M
Receivables00603.82M552.1M3.2B3.3B4.31B4.42B2.27B
Other Current Assets00-1.26B-1.1B3.04B3.62B5.3B-8.69B-3.17B
Goodwill & Intangibles258.79M203.84M00390.7M163.8M152.7M468.3M121.2M
Goodwill000000000
Intangible Assets258.79M203.84M00390.7M163.8M152.7M468.3M121.2M
PP&E (Net)0000025.9M25.6M00
Other Assets-258.79M-203.84M-125.07M-105.3M308.7M-5.17B-435.2M6.35B-5.6B
Total Liabilities2.9B1.88B2.03B1.97B8.12B8.95B10.34B10.59B7.51B
Total Debt113.73M113.91M114.09M114.3M816.7M778M786.2M639.1M688.6M
Net Debt105.54M9.73M-525.33M-411.7M-183.1M72.7M-183M-42.9M-213.8M
Long-Term Debt113.73M113.91M114.09M114.3M816.7M778M786.2M639.1M688.6M
Short-Term Debt000000000
Total Current Liabilities846.45M76.96M004.34B4.89B6.2M5.94B0
Accounts Payable846.45M76.96M99.76M95.7M924.6M1.08B2.02B1.8B1.45B
Deferred Revenue816.83M0000-18M001.37B
Other Current Liabilities-1.66B-79.26M-102.81M-98.78M3.42B3.83B-2.01B4.15B-2.82B
Deferred Taxes-1000K-1000K001000K1000K1000K1000K1000K
Other Liabilities827.79M0-114.26M-115.3M2.86B3.23B9.45B3.92B6.75B
Total Equity
1.77B▲ 0%
4.46B▲ 152.2%
1.41B▼ 68.3%
1.57B▲ 10.7%
2.5B▲ 59.9%
2.08B▼ 16.8%
2.53B▲ 21.5%
1.94B▼ 23.4%
2.47B▲ 27.4%
Equity Growth %22.07%152.19%-68.32%10.69%59.92%-16.81%21.51%-23.39%27.44%
Shareholders Equity1.66B1.2B1.41B1.56B2.5B2.07B2.51B1.94B2.47B
Minority Interest113.63M3.26B01.4M-400K7.9M16.7M1.4M1.1M
Retained Earnings594.02M276.33M476.95M620.4M665M262.2M601M784.9M1.23B
Common Stock10.72M9.36M9.42M9.6M16.2M16.2M16.8M11.6M11.7M
Accumulated OCI0000-200K-45M3.1M-4.1M61.9M
Return on Equity (ROE)17.26%-10.19%6.83%9.65%2.86%-16.87%15.38%8.95%20.84%
Return on Assets (ROA)6.49%-8.19%6.15%4.12%0.82%-3.57%2.97%1.57%7.27%
Equity / Assets37.88%144.61%41.11%44.28%23.58%18.87%19.66%15.48%2038.7%
Debt / Equity0.06x0.03x0.08x0.07x0.33x0.37x0.31x0.33x0.28x
Book Value per Share16.8245.9915.2616.8416.6713.0014.9211.4420.31
Tangible BV per Share14.3643.8915.2616.8414.0711.9814.028.6819.32

SPNT Cash Flow Statement

SiriusPoint Ltd. (SPNT) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-78.54M13.39M141.11M73.36M1.6M293.3M581.3M74.7M96.1M
Operating CF Growth %-1746.11%117.05%954.1%-48.02%-97.82%18231.25%98.19%-87.15%28.65%
Operating CF / Revenue %-8.47%3.55%14.41%8.29%0.07%13.51%21.51%2.86%3%
Net Income281.77M-317.47M200.62M143.86M55.8M-386M363.7M202.4M459.6M
Depreciation & Amortization4.94M4.94M3.96M-4.01M5.9M13.9M11.1M11.9M1.5M
Stock-Based Compensation3.6M4.96M7M6.6M11.4M30.5M21.4M20.7M35.9M
Deferred Taxes-8.91M-5.16M-3.96M4.01M0-53.9M-60.2M0-15.6M
Other Non-Cash Items-460.5M242.28M-243.96M-255.21M-413.9M393.6M83.1M7.3M-185.4M
Working Capital Changes100.57M83.84M177.45M178.11M342.4M295.2M162.2M-167.6M-199.9M
Cash from Investing23.05M377.56M786.86M6.11M208.6M-1.3B-332.2M343.6M423.4M
Capital Expenditures00000-800K000
Acquisitions73.98M-97.95M00652.4M800K000
Purchase of Investments-3.89B-4.34B-418.46M-446.96M-3.41B-6.16B-4.97B-2.73B0
Sale/Maturity of Investments4.28B4.28B1.21B547.97M2.89B4.85B4.63B3.07B0
Other Investing-362.48M432.31M-886K-94.9M77.9M4.5M5.5M6.2M423.4M
Cash from Financing53.73M-226.94M12.65M-19.48M24.3M-23.7M-61.5M-625M-512.2M
Dividends Paid-3.22M-3.22M-2.72M-1.29M-12.2M-16M-16M-16M-16M
Share Repurchases-40.86M-138.71M0-300K0-12.1M0-299.7M-490.8M
Stock Issued1.5M01.9M050.8M027.8M18.4M900K
Debt Issuance (Net)000001000K-1000K-1000K0
Other Financing97.82M-84.94M13.47M-17.89M-14.3M-13.2M-55.3M-203.7M-6.3M
Net Change in Cash
-1.75M▲ 0%
164M▲ 9450.3%
940.62M▲ 473.5%
59.98M▼ 93.6%
234.5M▲ 291.0%
-1.03B▼ 541.2%
187.6M▲ 118.1%
-206.7M▼ 210.2%
7.8M▲ 103.8%
Exchange Rate Effect000000000
Cash at Beginning9.95M549.33M713.34M1.65B1.71B1.95B913.7M1.1B894.6M
Cash at End8.2M713.34M1.65B1.71B1.95B913.7M1.1B894.6M902.4M
Free Cash Flow
-78.54M▲ 0%
13.39M▲ 117.0%
141.11M▲ 954.1%
73.36M▼ 48.0%
1.6M▼ 97.8%
292.5M▲ 18181.3%
581.3M▲ 98.7%
74.7M▼ 87.1%
514M▲ 588.1%
FCF Growth %-1746.11%117.05%954.1%-48.02%-97.82%18181.25%98.73%-87.15%588.09%
FCF Margin %-8.47%3.55%14.41%8.29%0.07%13.47%21.51%2.86%16.04%
FCF per Share-0.750.141.520.790.011.833.430.444.23

SPNT Key Ratios

SiriusPoint Ltd. (SPNT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio95.14%68.3%185.16%79.44%82.83%97.97%119.46%88.21%91.08%83.11%
Medical Cost Ratio88.42%61.68%173.38%71.41%73.76%77.06%94.41%68.61%72.13%47.41%
Return on Equity (ROE)1.94%17.26%-10.19%6.83%9.65%2.86%-16.87%15.38%8.95%20.84%
Return on Assets (ROA)0.74%6.49%-8.19%6.15%4.12%0.82%-3.57%2.97%1.57%7.27%
Equity / Assets37.21%37.88%144.61%41.11%44.28%23.58%18.87%19.66%15.48%2038.7%
Book Value / Share13.7316.8245.9915.2616.8416.671314.9211.4420.31
Debt / Equity0.08x0.06x0.03x0.08x0.07x0.33x0.37x0.31x0.33x0.28x
Revenue Growth22.6%30.79%-59.26%159.33%-9.65%151.52%-2.39%24.44%-3.28%22.62%

SPNT SEC Filings & Documents

SiriusPoint Ltd. (SPNT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Mar 30, 2026·SEC

Material company update

Mar 23, 2026·SEC

Material company update

Mar 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 30, 2025·SEC

FY 2025

Aug 4, 2025·SEC

FY 2025

May 5, 2025·SEC

SPNT Frequently Asked Questions

SiriusPoint Ltd. (SPNT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

SiriusPoint Ltd. (SPNT) grew revenue by 22.6% over the past year. This is strong growth.

Yes, SiriusPoint Ltd. (SPNT) is profitable, generating $459.6M in net income for fiscal year 2025 (14.3% net margin).

Dividend & Returns

Yes, SiriusPoint Ltd. (SPNT) pays a dividend with a yield of 0.56%. This makes it attractive for income-focused investors.

SiriusPoint Ltd. (SPNT) has a return on equity (ROE) of 20.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

SiriusPoint Ltd. (SPNT) has a combined ratio of 83.1%. A ratio below 100% indicates underwriting profitability.

Explore More SPNT

SiriusPoint Ltd. (SPNT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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