SiriusPoint (SPNT) AI Stock Analysis

• Market Cap: $2.22B
• Dividend Yield: N/A
• Average Volume (3M): 936.11K
• Price to Earnings (P/E): 21.2
• Beta (1Y): 0.48
• Revenue Growth: -4.56%
• EPS Growth: -55.48%
• Country: US
• Employees: 1,012
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 0.66
• Shares Outstanding: 116,759,540
• 10 Day Avg. Volume: 1,164,128
• 30 Day Avg. Volume: 936,111
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 1.26
• Enterprise Value/Gross Profit: 2.82
• Enterprise Value/Ebitda: 14.84
• 1Y Price Target: $25.00
• Price Target Upside: 34.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 64 Neutral
• Price Target: $20.00 ▲(7.87% Upside)

SiriusPoint's overall stock score reflects a strong earnings call performance and stable financial position, but is tempered by technical indicators and valuation concerns. The company's growth initiatives and strategic partnerships are promising, yet profitability and cash flow issues need addressing.

Positive Factors

Premium Growth

Consistent premium growth indicates strong demand for SiriusPoint's offerings and effective market penetration, supporting long-term revenue stability.

Return on Equity

A high return on equity suggests efficient use of shareholder capital, enhancing investor confidence and supporting sustainable growth.

New MGA Partnerships

New partnerships expand distribution channels and enhance product offerings, positioning SiriusPoint for growth in niche markets.

Negative Factors

Declining Profit Margins

Declining profit margins indicate cost management issues, potentially affecting long-term profitability and operational efficiency.

Cash Flow Challenges

Negative cash flow growth can limit investment in growth opportunities and strain financial flexibility, impacting long-term stability.

Foreign Exchange Losses

Foreign exchange losses can erode profitability and create earnings volatility, posing a risk to financial performance in international markets.

SiriusPoint Business Overview & Revenue Model

Company Description

SiriusPoint Ltd. provides multi-line insurance and reinsurance products and services worldwide. The company operates through two segments, Reinsurance, and Insurance & Services. The Reinsurance segment provides coverage to various product lines, which includes aviation and space, casualty, contingency, credit and bond, marine and energy, mortgage, and property to insurance and reinsurance companies, government entities, and other risk bearing vehicles. The Insurance & Services segment offers coverage to various product lines comprising accident and health, environmental, workers' compensation, and other lines of business, including a cross section of property and casualty lines. The company was formerly known as Third Point Reinsurance Ltd. and changed its name to SiriusPoint Ltd. in February 2021. SiriusPoint Ltd. was incorporated in 2011 and is headquartered in Pembroke, Bermuda.

How the Company Makes Money

SiriusPoint generates revenue primarily through the underwriting of insurance and reinsurance policies. The company's revenue model includes premiums collected from policyholders in exchange for coverage, which is a significant revenue stream. Additionally, it earns income from reinsurance agreements where it takes on risk from other insurers for a fee. Investment income from the management of its insurance reserves also contributes to revenues, as the company invests premium funds in various financial instruments. Strategic partnerships with brokers and other insurance firms enhance its distribution capabilities, while its focus on innovative risk solutions allows it to capture niche market opportunities, further boosting its earnings.

SiriusPoint Financial Statement Overview

Summary

SiriusPoint's financial performance is mixed. Strong revenue growth is offset by declining profitability margins and cash flow challenges. The balance sheet is stable with moderate leverage, but operational efficiency needs improvement.

Income Statement

SiriusPoint's income statement shows a mixed performance. The TTM data indicates a strong revenue growth rate of 18.5%, suggesting a positive trajectory in revenue generation. However, the gross profit margin has decreased significantly from previous years, indicating potential cost management issues. The net profit margin is relatively low at 6.4%, and the EBIT margin is negative, reflecting operational challenges. Despite these issues, the company has shown resilience with a positive EBITDA margin.

Balance Sheet

The balance sheet of SiriusPoint is relatively stable. The debt-to-equity ratio is moderate at 0.34, indicating a balanced approach to leveraging. The return on equity has decreased over the years, currently at 7.7%, which is a concern for profitability. However, the equity ratio remains strong, suggesting a solid capital structure. Overall, the balance sheet reflects a stable financial position with manageable leverage.

Cash Flow

Cash flow analysis reveals some challenges for SiriusPoint. The free cash flow growth rate is negative, indicating a decline in cash generation capabilities. The operating cash flow to net income ratio is low, suggesting inefficiencies in converting income into cash. However, the free cash flow to net income ratio remains strong at 1.0, showing that the company is effectively managing its cash relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.65B	2.60B	2.70B	2.11B	2.22B	884.57M
Gross Profit	1.18B	2.66B	848.40M	2.08B	2.13B	7.83M
EBITDA	224.20M	314.60M	393.90M	-370.20M	4.64B	160.10M
Net Income	169.70M	199.90M	354.80M	-386.00M	58.10M	143.80M
Balance Sheet
Total Assets	12.36B	12.52B	12.87B	11.04B	10.62B	3.54B
Cash, Cash Equivalents and Short-Term Investments	5.66B	6.03B	6.10B	4.33B	2.08B	525.99M
Total Debt	706.40M	639.10M	786.20M	778.00M	816.70M	114.27M
Total Liabilities	10.25B	10.59B	10.34B	8.95B	8.12B	1.97B
Stockholders Equity	2.11B	1.94B	2.51B	2.07B	2.50B	1.56B
Cash Flow
Free Cash Flow	135.10M	74.70M	581.30M	292.50M	1.60M	73.36M
Operating Cash Flow	135.10M	74.70M	581.30M	293.30M	1.60M	73.36M
Investing Cash Flow	970.60M	343.60M	-332.20M	-1.30B	208.60M	6.11M
Financing Cash Flow	-906.50M	-625.00M	-61.50M	-23.70M	24.30M	-19.48M

SiriusPoint Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18.54
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SPNT, the sentiment is Negative. The current price of 18.54 is below the 20-day moving average (MA) of 18.66, below the 50-day MA of 18.83, and above the 200-day MA of 17.08, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 46.24 is Neutral, neither overbought nor oversold. The STOCH value of 45.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SPNT.

SiriusPoint Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RNR	84 Outperform	$11.64B	6.31	18.75%	0.65%	23.19%	-22.42%
HG	82 Outperform	$2.40B	6.40	15.86%	―	28.86%	-11.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RGA	66 Neutral	$12.70B	16.72	7.07%	1.90%	1.53%	-10.27%
SPNT	64 Neutral	$2.22B	21.20	4.82%	―	-4.56%	-55.48%
GLRE	61 Neutral	$429.19M	11.46	5.82%	―	2.18%	-41.11%
OXBR	49 Neutral	$20.72M	―	-58.30%	―	―	78.09%

SiriusPoint Corporate Events

SiriusPoint Appoints Martin Hudson to Board

On September 3, 2025, SiriusPoint Ltd. announced the appointment of Martin Hudson to its board of directors, effective September 1, 2025. With over 40 years of experience in the (re)insurance industry, Hudson’s leadership spans underwriting, risk management, and executive management across global markets. His appointment is expected to strengthen SiriusPoint’s business and support its growth strategies, delivering long-term value for shareholders and stakeholders.

The most recent analyst rating on (SPNT) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on SiriusPoint stock, see the SPNT Stock Forecast page.

SiriusPoint Adopts Executive Severance Plan Effective August 2025

On July 30, 2025, SiriusPoint Ltd. adopted an Executive Severance Plan, effective August 1, 2025, to provide severance payments and benefits to eligible employees in the event of certain employment terminations. The plan outlines specific benefits for executives and other eligible employees, including lump sum payments, full vesting of cash bonuses, and medical benefits. Enhanced benefits are provided if a termination occurs within a year following a change in control, defined by specific criteria such as acquisition of voting securities or board changes.

The most recent analyst rating on (SPNT) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on SiriusPoint stock, see the SPNT Stock Forecast page.

SiriusPoint Reports Strong Q2 2025 Financial Results

On August 4, 2025, SiriusPoint Ltd. reported its second quarter 2025 financial results, highlighting a significant improvement in its core combined ratio to 89.5%, a 3.8-point improvement from the previous year. The company achieved an 83% year-over-year growth in underwriting income to $68 million and a 10% growth in gross premiums written for its core business. The second quarter return on equity was 12.7%, with underlying earnings per share increasing by 120% from the prior year. SiriusPoint also announced a quarterly cash dividend of $0.50 per share on its Series B preference shares, approved on July 30, 2025. The company was recognized as Program Insurer of the Year in the US, achieved record employee engagement scores, and added new executive leadership members, reinforcing its strategic growth and positioning in the industry.

The most recent analyst rating on (SPNT) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on SiriusPoint stock, see the SPNT Stock Forecast page.