A Business at a Glance
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SiriusPoint Ltd
SPNT
$3.1B
Mkt Cap
$25.35
+2.42%
SiriusPoint Ltd (SPNT) has a current P/E ratio of 7.0, compared to its historical median P/E of 6.2. The stock is currently considered Fair based on its historical valuation range.
SiriusPoint Ltd (SPNT) has a 5-year average return on invested capital (ROIC) of 4.1%. This is below average and may indicate limited pricing power.
SiriusPoint Ltd (SPNT) has a market capitalization of $2.9B. It is classified as a mid-cap stock.
SiriusPoint Ltd (SPNT) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 0.75%.
Based on historical P/E analysis, SiriusPoint Ltd (SPNT) appears fair. The current P/E of 7.0 is 12% above its historical median of 6.2. The estimated fair value CAGR (P/E method) is 4.4%.
SiriusPoint Ltd (SPNT) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
SiriusPoint Ltd (SPNT) reported annual revenue of $3.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
General Overview SiriusPoint is a global specialty underwriter of insurance and reinsurance, headquartered in Bermuda. Our common shares are listed on the New York Stock Exchange (“NYSE”) under the symbol “SPNT.” We have licenses to write property, casualty, and accident & health insurance and reinsurance globally, including admitted and non-admitted licensed companies in the United States, a Bermuda Class 4 company, a Lloyd’s of London (“Lloyd’s”) syndicate and managing agency, and an internationally licensed company domiciled in Sweden. We have offices in 10 countries with a total employee population of 1,099 people. As of December 31, 2025, we had common shareholders’ equity of $2.3 billion, total capital of $3.2 billion and total assets of $12.6 billion. Our operating companies have a financial strength rating of A- (Positive) from AM Best, Fitch Ratings (“Fitch”) and Standard & Poor's (“S&P”) and A3 (Stable) from Moody’s Ratings (“Moody’s”).
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.3B | 3.2B | 2.6B | 2.7B | 2.1B | 2.2B |
| Net Income | 485M | 443M | 176M | 315M | -403M | 41M |
| EPS | $4.16 | $3.64 | $1.04 | $1.85 | $-2.51 | $0.27 |
| Free Cash Flow | 0 | 102M | 75M | 581M | 293M | 1.6M |
| ROIC | 0.0% | 15.5% | 6.0% | 10.2% | -13.1% | 1.6% |
| Gross Margin | - | 16.9% | 9.0% | 11.6% | -20.1% | 2.1% |
| Debt/Equity | 0.30 | 0.28 | 0.33 | 0.31 | 0.37 | 0.33 |
| Dividends/Share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Income | 0 | 541M | 233M | 319M | -423M | 45M |
| Operating Margin | 0.0% | 16.9% | 9.0% | 11.6% | -20.1% | 2.1% |
| ROE | 21.1% | 20.1% | 7.9% | 13.7% | -17.6% | 2.0% |
| Shares Outstanding | 116M | 122M | 169M | 170M | 160M | 153M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 530M | 575M | 689M | 939M | 370M | 983M | 890M | 2.2B | 2.1B | 2.7B | 2.6B | 3.2B | 3.3B |
| Gross Margin | 11.8% | -15.7% | 5.0% | 31.3% | -86.9% | 20.5% | 17.1% | 2.1% | -20.1% | 11.6% | 9.0% | 16.9% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 40M | 46M | 39M | 53M | 36M | 54M | 61M | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 62M | -90M | -8.4M | 294M | -321M | -17M | -11M | 45M | -423M | 319M | 233M | 541M | 0 |
| Op. Margin | 11.8% | -15.7% | -1.2% | 31.3% | -86.9% | -1.7% | -1.2% | 2.1% | -20.1% | 11.6% | 9.0% | 16.9% | 0.0% |
| Net Income | 50M | -87M | 28M | 278M | -318M | 200M | 142M | 41M | -403M | 315M | 176M | 443M | 485M |
| Net Margin | 9.4% | -15.2% | 4.0% | 29.6% | -85.9% | 20.4% | 16.0% | 1.9% | -19.1% | 11.5% | 6.8% | 13.8% | 14.9% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.8M | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 3.4% | -5.9% | 1.9% | 18.1% | -22.2% | 15.3% | 9.2% | 1.6% | -13.1% | 10.2% | 6.0% | 15.5% | 0.0% |
| ROE | 3.4% | -6.2% | 2.0% | 18.1% | -22.2% | 15.3% | 9.6% | 2.0% | -17.6% | 13.7% | 7.9% | 20.1% | 21.1% |
| ROA | 2.0% | -2.7% | 0.7% | 6.5% | -8.2% | 6.1% | 4.1% | 0.6% | -3.7% | 2.6% | 1.4% | 3.5% | 3.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 122M | 188M | 4.8M | -79M | 13M | 141M | 73M | 1.6M | 293M | 581M | 75M | 102M | 333M |
| Free Cash Flow | 122M | 188M | 4.8M | -79M | 13M | 141M | 73M | 1.6M | 293M | 581M | 75M | 102M | 0 |
| Owner Earnings | 113M | 177M | -4.2M | -82M | 8.4M | 134M | 67M | -16M | 257M | 549M | 42M | 56M | 284M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.1M | 5.8M | 11M | 12M | 11M | 11M |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.1M | 5.8M | 11M | 12M | 11M | 11M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 7.4M | 41M | 139M | 0 | 0 | 0 | 5.0M | 0 | 300M | 491M | 22M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.5% | N/A | 11.0% | 17.4% | 0.7% |
| Stock-Based Comp | 9.3M | 11M | 8.9M | 3.6M | 5.0M | 7.0M | 6.6M | 11M | 31M | 21M | 21M | 36M | 39M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 518M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -28M | 93M | 104M | 106M | 9.7M | -525M | -108M | -1.3B | -912M | -555M | -139M | -71M | -210M |
| Cash & Equiv. | 29M | 20M | 10.0M | 8.2M | 104M | 639M | 526M | 1000M | 705M | 969M | 682M | 731M | 889M |
| Long-Term Debt | 0 | 113M | 0 | 0 | N/A | N/A | 114M | 817M | 778M | 786M | 639M | 689M | 680M |
| Debt/Equity | 0.00 | 0.08 | 0.08 | 0.07 | 0.09 | 0.08 | 0.27 | 0.33 | 0.37 | 0.31 | 0.33 | 0.28 | 0.30 |
| Interest Coverage | N/A | -12.5 | -1.0 | 35.7 | -39.1 | -2.0 | -1.3 | 1.3 | -11.0 | 5.0 | 3.3 | 6.8 | 6.8 |
| Equity | 1.5B | 1.4B | 1.4B | 1.7B | 1.2B | 1.4B | 1.6B | 2.5B | 2.1B | 2.5B | 1.9B | 2.5B | 2.3B |
| Total Assets | 2.9B | 3.5B | 3.9B | 4.7B | 3.1B | 3.4B | 3.5B | 10.6B | 11.0B | 12.9B | 12.5B | 12.6B | 12.5B |
| Total Liabilities | 1.3B | 2.1B | 2.4B | 2.9B | 1.9B | 2.0B | 2.0B | 8.1B | 9.0B | 10.3B | 10.6B | 10.1B | 10.2B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 172M | 164M | 153M | 141M | 121M | 140M |
| Retained Earnings | 376M | 289M | 316M | 594M | 276M | 477M | 620M | 665M | 262M | 601M | 785M | 1.2B | 1.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.47 | -0.84 | 0.26 | 2.64 | -3.27 | 2.16 | 1.53 | 0.27 | -2.51 | 1.85 | 1.04 | 3.64 | 4.16 |
| Owner EPS | 1.06 | 1.70 | -0.04 | -0.78 | 0.09 | 1.45 | 0.72 | -0.10 | 1.60 | 3.23 | 0.25 | 0.46 | 2.45 |
| Book Value | 13.63 | 13.26 | 13.35 | 15.75 | 12.40 | 15.27 | 16.80 | 16.41 | 12.93 | 14.79 | 11.44 | 20.28 | 19.86 |
| Cash Flow/Share | 1.15 | 1.80 | 0.05 | -0.75 | 0.14 | 1.52 | 0.79 | 0.01 | 1.83 | 3.42 | 0.44 | 0.84 | 4.28 |
| Dividends/Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Shares Out. | 106.5M | 104.0M | 106.0M | 105.1M | 97.2M | 92.6M | 93.1M | 152.6M | 160.5M | 170.0M | 169.4M | 121.8M | 115.9M |
| Valuation | |||||||||||||
| P/E Ratio | 31.2 | N/A | 44.8 | 5.6 | N/A | 4.8 | 6.1 | 30.8 | N/A | 6.3 | 13.7 | 6.1 | 6.1 |
| P/FCF | 12.7 | 7.6 | 258.7 | N/A | 69.1 | 6.9 | 11.8 | 792.5 | 3.2 | 3.4 | 32.3 | 26.5 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.1 | 1.0 | 0.9 | 0.9 | 0.8 | 0.7 | 0.6 | 0.7 | 0.4 | 0.9 | 1.4 | 1.1 | 1.3 |
| Price/Sales | 3.1 | 2.5 | 1.8 | 1.5 | 3.4 | 1.0 | 0.9 | 1.0 | 0.4 | 0.6 | 1.0 | 0.7 | 0.9 |
| FCF Yield | 7.8% | 13.2% | 0.4% | -5.0% | 1.4% | 14.5% | 8.4% | 0.1% | 32.1% | 25.8% | 2.7% | 3.6% | N/A |
| Market Cap | 1.6B | 1.4B | 1.2B | 1.6B | 925M | 972M | 869M | 1.8B | 914M | 2.3B | 2.7B | 2.8B | 2.9B |
| Avg. Price | 15.45 | 14.07 | 11.82 | 13.73 | 12.85 | 10.26 | 8.49 | 9.76 | 6.13 | 9.14 | 13.20 | 17.99 | 25.35 |
| Year-End Price | 14.65 | 13.67 | 11.65 | 14.90 | 9.52 | 10.47 | 9.27 | 8.31 | 5.93 | 11.74 | 14.22 | 22.31 | 25.35 |
SiriusPoint Ltd passes 3 of 9 quality checks, indicating weak fundamentals.
SiriusPoint Ltd trades at 7.0x trailing earnings, compared to its 15-year median P/E of 6.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 31.3x vs a median of 11.8x. The company's 5-year average ROIC is 4.1% with a gross margin of 3.9%. Total shareholder yield (buybacks) is 0.7%. At current prices, the estimated annualized return to fair value is +12.2%.
SiriusPoint Ltd (SPNT) has a net profit margin of 13.8%. This is a healthy margin.
SiriusPoint Ltd (SPNT) generated $102 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SiriusPoint Ltd (SPNT) has a debt-to-equity ratio of 0.28. This indicates a conservatively financed balance sheet.
SiriusPoint Ltd (SPNT) reported earnings per share (EPS) of $3.64 in its most recent fiscal year.
SiriusPoint Ltd (SPNT) has a return on equity (ROE) of 20.1%. This indicates the company generates strong returns for shareholders.
SiriusPoint Ltd (SPNT) has a 5-year average gross margin of 3.9%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 14 years of financial data for SiriusPoint Ltd (SPNT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SiriusPoint Ltd (SPNT) has a book value per share of $20.28, based on its most recent annual SEC filing.