Negative Operating And Free Cash FlowsPersistent negative operating and free cash flows undermine an insurer's ability to fund liabilities, pay claims, and invest in growth without selling assets or raising capital. Over months to years this can limit product rollout, constrain balance sheet flexibility, and increase reliance on non-operating cash sources.
Inconsistent And Declining Revenue GrowthSustained top-line inconsistency and recent declines reduce scale benefits and fee income from asset management, complicating planning and making margin recovery harder. Over the medium term this indicates competitive or product-mix pressures that can erode long-term earnings power if not corrected.
Weak EPS Trend And Volatile Net MarginsA large negative EPS growth rate combined with reports of low, volatile net profit margins signals deteriorating underlying profitability. This impairs retained earnings accumulation, reduces capacity for strategic spending, and increases forecasting uncertainty for investors and regulators over the next several quarters.