Fidelis Insurance Holdings Limited(FIHL)Earnings, Financials & Key Ratios
FIHL•NYSE•Insurance & Managed Care
$23.06
10.9× P/E·Price updated Jun 20, 2026
AboutFidelis Insurance Holdings Limited, together with its subsidiaries, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, and other risk transfer opportunities. The company is also involved in specialty treaty reinsurance, and surety bonds and guarantees activities; and upstream energy, energy liability, and marine businesses; and provision of product recall and contamination, and marketing services. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.Show more
- Revenue$2.5B+3.3%
- Combined Ratio88.98%-5.7%
- Net Income$226M+99.0%
- Return on Equity9.3%+101.1%
- Medical Cost Ratio43.58%-51.0%
- Operating Margin11.02%+95.7%
- Net Margin9.02%+92.7%
- ROA2.13%+105.3%
- Equity / Assets25.61%+23.1%
FIHL Price & Volume
Fidelis Insurance Holdings Limited (FIHL) stock price & volume — 10-year historical chart
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Volatile Underwriting Performance Masks Structural Capital Strength
Investment Thesis • Updated 2025Q4
VerdictNeutral: While the forward P/E of 6.95 suggests potential undervaluation
Growth:Mixed
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:MGU fee structure volatility
Key Thesis Takeaways
- Fidelis Insurance Holdings Limited presents a complex investment profile characterized by significant underwriting volatility, as evidenced by a combined ratio that swung from 108.7% in 2025Q1 to 76.2% in 2025Q4.
- While the company maintains a robust capital base with $2.4 billion in equity and a conservative 0.35 debt-to-equity ratio, the bifurcated MGU fee structure introduces persistent margin uncertainty.
- Investors should monitor whether the company can sustain its recent $118.7 million quarterly buyback pace while navigating the inherent lumpiness of its specialty insurance loss settlements.
Verdict Logic
the extreme volatility in quarterly net income and the structural risks associated with the MGU fee model warrant a cautious wait-and-see approach.
FIHL Growth Metrics
Fidelis Insurance Holdings Limited (FIHL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years26.15%
3 Years18.15%
TTM3.2%
Profit CAGR
10 Years-
5 Years12.26%
3 Years62.45%
TTM99.03%
EPS CAGR
10 Years-
5 Years27.35%
3 Years100.96%
TTM135.11%
Return on Capital
10 Years5.8%
5 Years5.7%
3 Years8.73%
Last Year2.61%
FIHL Recent Earnings
Fidelis Insurance Holdings Limited (FIHL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.41-154.7%
$0.75
Rev
$611M-32.4%
$903M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$1.09+2.8%
$1.06
Rev
$978M+34.9%
$725M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$1.21+0.0%
$1.21
Rev
$650M-3.9%
$677M
Q3 2025
Aug 13, 2025Metric
Actual
Est
EPS
$0.12+200.0%
$0.12
Rev
$584M-21.1%
$740M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.41vs $0.75-154.7% | $611Mvs $903M-32.4% |
| Q1 2026 | Feb 25, 2026 | $1.09vs $1.06+2.8% | $978Mvs $725M+34.9% |
| Q4 2025 | Nov 12, 2025 | $1.21vs $1.21+0.0% | $650Mvs $677M-3.9% |
| Q3 2025 | Aug 13, 2025 | $0.12vs $0.12+200.0% | $584Mvs $740M-21.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Fidelis Insurance Holdings Limited (FIHL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $23.06 | $2.45B | 10.93 | 3.26% | 9.02% | 9.3% | 2.12% | |
| $323.69 | $13.97B | 5.72 | 9.45% | 26.93% | 16.59% | — | |
| $102.85 | $35.93B | 8.85 | 14.27% | 24.73% | 20.48% | — | |
| $1969.34 | $24.64B | 11.64 | -0.96% | 10.7% | 9.56% | — | |
| $16.42 | $544.59M | 7.57 | 7.47% | 11.46% | 11.68% | — | |
| $97.99 | $5.89B | 13.10 | 9.78% | 8.39% | 12.93% | — |
Compare FIHL vs Peers
Fidelis Insurance Holdings Limited (FIHL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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FIHL Frequently Asked Questions
Fidelis Insurance Holdings Limited (FIHL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Fidelis Insurance Holdings Limited growing?
Fidelis Insurance Holdings Limited (FIHL) grew revenue by 3.3% over the past year. Growth has been modest.
Is FIHL profitable?
Yes, Fidelis Insurance Holdings Limited (FIHL) is profitable, generating $225.5M in net income for fiscal year 2025 (9.0% net margin).
Dividend & Returns
Does FIHL pay dividends?
Yes, Fidelis Insurance Holdings Limited (FIHL) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.
What is FIHL's return on equity?
Fidelis Insurance Holdings Limited (FIHL) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Fidelis Insurance Holdings Limited's combined ratio?
Fidelis Insurance Holdings Limited (FIHL) has a combined ratio of 89.0%. A ratio below 100% indicates underwriting profitability.