Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
Ategrity Specialty Insurance Co Holdings's Combined Ratio % for the quarter that ended in Mar. 2026 was 87.40%
, which is higher than
84.90% for the pervious quarter ended in Dec. 2025.
Ategrity Specialty Insurance Co Holdings's Combined Ratio % for the annual that ended in Dec. 2025 was 88.20%
, which is higher than
0.00% for the pervious year ended in . 20.
Ategrity Specialty Insurance Co Holdings (NYSE:ASIC) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Ategrity Specialty Insurance Co Holdings Combined Ratio % Related Terms
Ategrity Specialty Insurance Co Holdings Combined Ratio % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ategrity Specialty Insurance Co Holdings Combined Ratio % Chart
Ategrity Specialty Insurance Co Holdings Annual Data
ASIC vs UVE, HGTY, TRUP: Combined Ratio % Comparison
For the Insurance - Property & Casualty subindustry, Ategrity Specialty Insurance Co Holdings's Combined Ratio %, along with its competitors' market caps and Combined Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ategrity Specialty Insurance Co Holdings (NYSE:ASIC) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
100%
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Combined Ratio % of 87.40% mean?
Ategrity Specialty Insurance Co Holdings (ASIC) has a Combined Ratio % of 87.40% as of Mar. 2026. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Ategrity Specialty Insurance Co Holdings and its competitors.
Is Ategrity Specialty Insurance Co Holdings' Combined Ratio % too high?
Ategrity Specialty Insurance Co Holdings' current Combined Ratio % is 87.40%. Overall, Ategrity Specialty Insurance Co Holdings has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Ategrity Specialty Insurance Co Holdings' Combined Ratio % compare to UVE and HGTY?
Ategrity Specialty Insurance Co Holdings' Combined Ratio % of 87.40% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Ategrity Specialty Insurance Co Holdings and its competitors. Ategrity Specialty Insurance Co Holdings's current Combined Ratio % is 87.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ategrity Specialty Insurance Co Holdings stock overvalued right now?
Ategrity Specialty Insurance Co Holdings (ASIC) has a current Combined Ratio % of 87.40%. The current Combined Ratio % is 87.40%. Ategrity Specialty Insurance Co Holdings' overall GF Score™ is 17/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Ategrity Specialty Insurance Co Holdings (ASIC), the current Combined Ratio % is 87.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Ategrity Specialty Insurance Co Holdings is a specialty property and casualty insurance holding company focused on the excess and surplus market for small to medium-sized businesses (SMBs) across the United States. Operating through its subsidiaries, the company underwrites small and medium-sized commercial risks across selected industry verticals, including Retail, Real Estate, Hospitality, and Construction. Its operating model uses a technology-driven method to standardize, simplify, and, where appropriate, automate these transactions. The group distributes its products through licensed surplus lines brokers and wholesale agents.
17GF Score
Get the complete analysis for ASIC
Combined Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASIC has been successfully added to your 
