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Slide Insurance Holdings, Inc. (SLDE)
NASDAQ:SLDE
Earnings Data
Report Date
Aug 18, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.56Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong set of operating and financial results—notably double-digit top-line growth, record quarterly net income, dramatic ROE, a solid balance sheet with ample liquidity, and clear expansion plans (NY/NJ/RI/CA). Management provided bullish 2026 guidance and highlighted reinsurance optimization (including a lower-cost ILS issuance). Key risks discussed include uncertainty around reinsurance renewal pricing ahead of the 6/1 renewals, a smaller future opportunity from Citizens depopulation, regulatory risk in New York, rising operating expenses, and competitive pricing pressure from new entrants. Overall, the positive operational momentum, robust capital position, and clear growth roadmap outweigh the noted risks and uncertainties.Company Guidance
Strong Top-Line Growth (Q4)
Gross premiums written increased 57% year-over-year to $618.5 million in Q4 2025 (from $394.6 million), driven by voluntary sales and the assumption of ~152,000 Citizens policies.
Large Increase in Policies in Force
Policies in force reached ~493,500 at quarter end, up 44% year-over-year and up 40% from September 30, 2025.
Record Net Income and EPS
Net income more than doubled to $170.4 million in Q4 2025 (from $75.1 million prior year), with diluted EPS of $1.23; this represents roughly a 127% increase in net income year-over-year.
Exceptional Return on Equity
Quarterly ROE was 16.4% (Q4) and full-year 2025 ROE was 57.4%, despite a substantial IPO capital raise during the year.
Improved Profitability Metrics
Quarterly combined ratio improved to 38% from 60.9% a year ago; loss ratio improved to 8.3% from 26.3%, reflecting favorable prior-year development and lower catastrophe activity.
Strong Balance Sheet and Liquidity
Book value exceeded $1.1 billion, total assets of $2.9 billion, cash and cash equivalents of ~$1.2 billion, restricted cash $481.8 million, invested assets $593.7 million, and low long-term debt of $33.7 million (debt-to-capital of 2.9%).
Capital Deployment and Share Repurchases
Repurchased ~$20 million of stock in Q4 (approx. 1.2 million shares at $16.38 avg); $80 million remains available under a $120 million repurchase program.
Ambitious 2026 Financial Guidance
Company provided 2026 guidance expecting gross written premiums of $1.85B–$1.95B and after-tax net income of $455M–$470M, implying continued strong growth.
Expansion and Product Launches
Planned geographic expansion and new products: pending tailored-peril policies in NY & NJ (H1 2026), Rhode Island (H2 2026), and an excess & surplus product launch in California in the next 30–60 days.
Operational Track Record Since Launch
Since 2022, Slide reported a 55% CAGR in gross premiums written and a 7,399% CAGR in net income, underscoring rapid scaling and operating leverage.
Reinsurance Optimization
Placed a ~$320 million ILS cat bond with risk-adjusted cost down >20% year-over-year, and guidance embeds an expected reduction in reinsurance expense.
SLDE Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SLDE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 24, 2026 | $17.77 | $19.49 | +9.68% |
Nov 05, 2025 | $16.80 | $16.62 | -1.07% |
Aug 12, 2025 | $17.02 | $15.46 | -9.17% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Slide Insurance Holdings, Inc. (SLDE) report earnings?
Slide Insurance Holdings, Inc. (SLDE) is schdueled to report earning on Aug 18, 2026, After Close (Confirmed).
What is Slide Insurance Holdings, Inc. (SLDE) earnings time?
Slide Insurance Holdings, Inc. (SLDE) earnings time is at Aug 18, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is SLDE EPS forecast?
Currently, no data Available