Conduit Holdings tumbles 21% on H1 income miss, downgraded ROE outlook

Published 30/07/2025, 10:42
© Reuters.

Investing.com -- Shares in Conduit Holdings plummeted 21% on Wednesday after the company posted a disappointing set of first-half results and downgraded its return-on-equity (ROE) outlook for the year.

The miss was driven by higher-than-expected losses in the second quarter and further reserve strengthening related to Ukraine.

Net income for the first half came in at a loss of $14 million, well below consensus expectations of a $13 million profit. This translated to an annualised ROE of -2.6%.

The undiscounted combined ratio stood at 122.1%, a sharp deterioration from consensus estimates of 108.6%, primarily due to $118 million in California wildfire-related losses and reserve adjustments tied to a U.K. High Court ruling.

While the investment result of $64 million beat consensus by 47%, it was not enough to offset the underwriting pressures. Gross written premiums reached $803 million, growing 9% year-on-year, but still missed expectations by 2%. Book value per share declined to 643 cents, 2% below consensus.

The company lowered its full-year 2025 (FY25) ROE outlook to the mid-single digits, down from the previous high-single-digit to low-double-digit range. No specific guidance was given for the full-year combined ratio or premium growth.

"We see nothing new on operational outlook or strategic plans, key to which is to reduce earnings volatility going forward," RBC Capital Markets analyst Mandeep Jagpal said in a note. 

"Shares trade at on 0.8x 2025E book for a 7.2% yield, above the recent lows, which we think presents downside risk," they added. 

Conduit maintained the interim dividend at $0.18 per share, in line with consensus and flat year-on-year.

Latest comments

Risk Disclosure: Trading in financial instruments and/or cryptocurrencies involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices of cryptocurrencies are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument or cryptocurrencies you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
Fusion Media would like to remind you that the data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not necessarily provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes. Fusion Media and any provider of the data contained in this website will not accept liability for any loss or damage as a result of your trading, or your reliance on the information contained within this website.
It is prohibited to use, store, reproduce, display, modify, transmit or distribute the data contained in this website without the explicit prior written permission of Fusion Media and/or the data provider. All intellectual property rights are reserved by the providers and/or the exchange providing the data contained in this website.
Fusion Media may be compensated by the advertisers that appear on the website, based on your interaction with the advertisements or advertisers
© 2007-2025 - Fusion Media Limited. All Rights Reserved.