Short answer
Everest Group (EG) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $4.3B (up 0.8% year over year) with net income of $255M.
Q3 2025 key financials · XBRL
- Revenue
- $4.3B
- +0.8% YoY · −3.8% QoQ
- Net income
- $255M
- −49.9% YoY · −62.5% QoQ
- EPS (diluted)
- $6.13
- −48.2% YoY · −61.8% QoQ
Source: XBRL data from the Everest Group (EG) Q3 2025 10-Q on SEC EDGAR. USD.
Everest Group Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $4.32B Q3 2025, flat YoY (-1.6% premiums earned); 9M revenue $13.07B, up 3.4% YoY; premiums earned 9M $11.7B up 3.9%
- Combined ratio Q3 2025 103.4% vs 93.1% YoY (+10.3 pts); 9M combined ratio 98.7% vs 90.8% YoY (+7.9 pts); loss ratio Q3 73.6% vs 66.0%, 9M 70.1% vs 63.3%
- Best segment Reinsurance: Q3 premiums $3.21B (-1.8% YoY), combined ratio 87.0% vs 91.8% YoY (-4.8 pts); Worst segment Insurance: Q3 premiums $1.15B (+3.4% YoY), combined ratio 138.1% vs 96.9% YoY (+41.2 pts)
- Shareholders’ equity $15.4B Sept 2025, up 10.8% from Dec 2024; operating cash flow 9M $3.5B vs $4.2B YoY; repurchases $400M shares, dividends $253M paid YTD
- Near-term outlook impacted by reserve strengthening on U.S. casualty lines, adverse prior year loss development, and portfolio actions; recent sales and reinsurance agreements reflect strategic capital redeployment
Risk Factors
- No material changes to risk factors since 2024 10-K
- Dependence on technology services market volatility impacting revenue streams
- Exposure to foreign currency fluctuations affecting international earnings
- Potential regulatory changes in data privacy laws posing compliance challenges
- Concentration risk from reliance on limited number of large clients
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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