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Analyst
Hristian Getsov
Period: Reporting periods mapped to calendar 2025 Q2 – 2025 Q4 (3 quarters).
- Questions
- 12on tracked calls
- Challenge rate
- 0%none of 12 questions
- Companies
- 3questioned at least once
- Reporting periods
- 3with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 12 of 12 questions from 3 companies
ROOTRoot, Inc.8 questions · 3 reporting periods · 0 of 8 challenging
Calendar 2025 Q4
how should we think about the premium per policy for an AV vehicle versus a non-AV vehicle over the long run
Show response
Timm said AV loss costs still rising; autonomous vehicles get 80-90% fewer accidents but data varies by technology type. ROOT positioned through OEM partnerships.
how much of that accelerating growth is based off improving retention, just given your lower pricing
Show response
Binkley said investing in growth across all channels; cautioned Q1 2025 comps are tough due to tariff pull-forward. Sequential PIF growth continuing.
Calendar 2025 Q3
have you noticed anything, I guess, any recent changes? And then, do you have any color on how October PIF has trended
Show response
PIF growth accelerating in October despite competition being as hot as ever. Technology and pricing models driving growth through the cycle.
how much was that driven by that new pricing model? And then given you continue to trend well below the 60% to 65% target loss ratio
Show response
Timm attributed premium decline to proactive double-digit rate decrease in Florida. Not broadly lowering rates, but healthy loss ratios enable faster growth.
have you guys seen any meaningful change in your data? And has your expectation for those impacts changed?
Show response
No tariff impact visible in data; loss trends aligned with natural expectations. Q4 seasonality of 3-5 points expected.
Calendar 2025 Q2
do they have different loss ratios versus on the direct side?
Show response
Timm said all channels priced to same return; no material unit economics differences. No single partner is majority of partnership volume.
how do you guys balance all of those moving parts when you're pricing products currently and thinking about growth in the second half
Show response
Timm said no material tariff impact seen yet; claims technology provides leading indicators. Loss ratios expected to tick up a couple points in H2 from seasonality.
did that get worse as we kind of went through the Q2?
Show response
Competition stabilized post-April after tariff-related pull-forward; environment has been flat since then.
ALLAllstate2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2025 Q2
you've talked about a mid-single-digit impact to loss cost trends previously. Can you provide an update on your expectations
Show response
Wilson said tariff impacts are manageable, already factored into current pricing, and distinct from the pandemic used car price shock.
How do you expect the drag on auto PIF growth from New York and New Jersey to be in the balance of the year?
Show response
Wilson deflected granular state-level forecasting and reiterated Allstate's goal of growing personal property-liability market share in total.
EGEverest Group2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2025 Q3
how are you thinking about pricing at the 1/1 renewals, just given what we know through hurricane season to date?
Show response
Jim said 1/1/26 pricing likely down ~10% but still well priced; capital was never the constraint and won't drive EG to chase growth in a softening environment.
is there any change in that game plan? And then I guess, sticking to that, is there enough runway
Show response
Jim said the exit blunts near-term international growth, but W&S has organic growth runway with less investment; bolt-on M&A possible but only with modest execution risk.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| ROOT Root, Inc. | 8 | 0%none of 8 questions |
| ALL Allstate | 2 | —Rate withheld: fewer than 3 questions |
| EG Everest Group | 2 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q2 | 5 | 0%none of 5 questions | 2 |
| 2025 Q3 | 5 | 0%none of 5 questions | 2 |
| 2025 Q4 | 2 | 0%none of 2 questions | 1 |
- 2025 Q25 questions · challenge rate 0% (none of 5 questions) · 2 companies
- 2025 Q35 questions · challenge rate 0% (none of 5 questions) · 2 companies
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Pricing5
- Competitive Dynamics3
- Trade Tariffs3
- Subscriber Growth2
- Capital Allocation2
- Margin2
- Innovation & R&D1
- Geographic Expansion1
- Macroeconomic1
- Cost Pressure1
Show all 12 topics
- Regulation Policy1
- Revenue Growth1