| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q2'26 | August 6, 2026 | 5/12 | 3 high, 3 medium, 1 low flags | 0 | 0 | Call sheet → |
| Q1'26 | April 30, 2026 | 8/12 | 1 high, 4 medium, 1 low flags | 3 | 1 | Call sheet → |
| Q4'25 | February 5, 2026 | 9/12 | 3 medium, 4 low flags | 4 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q2'26 | Pending | AI live, direct-sell product in three states, described as closing policies Not mentioned again this quarter; disappearance from the script is itself a data point, status cannot be confirmed as expanded, maintained, or discontinued. |
| Q2'26 | Pending | Hope that New York tort reform under Governor Hochul opens a 'giant growth market' No legislative enactment cited this quarter; management still frames Hochul's actions as something they are 'hopeful' will continue as a trend, unresolved for a second straight quarter. |
| Q2'26 | Pending | We apply the same statistical standards to every year on reserves Current quarter reserve methodology framing cites hoped-for tort reform trends continuing and acknowledges estimation processes can 'potentially just adjust aggressively', a notable explanatory shift rather than reaffirming pure statistical consistency. |
| Q2'26 | Pending | Continued acceleration of buyback pace: 'that wasn't just a one-time thing. We continued to accelerate it' Q2 buyback capital return of $1.3 billion including $1.0 billion of common share repurchases with $2.6 billion remaining under authorization does not demonstrate further pace acceleration versus the stated Q1 trajectory; unverified without quarter-specific buyback cadence data. |
| Q2'26 | Pending | Launched a new $4 billion share repurchase program, accelerating the pace of repurchases $1.4B of the $4B executed through two quarters ($3.6B remaining as of Q1 minus $2.6B remaining now); on pace but not complete, and pace itself did not visibly accelerate further this quarter. |
| Q1'26 | Pending | Deploy AI and advanced analytics to improve operations Disclosed ALLIE platform and specific implementations but admitted 'not all in market today' |
| Q1'26 | Missed | Maintain attractive underwriting margins while growing Underlying auto combined ratio at 89.5% above mid-90s target, openly trading margin for growth |
| Q1'26 | Pending | Expand protection services businesses profitably Revenue growth slowed to 7.2% from 11.7%, margin pressure in some segments |
| Q1'26 | Delivered | Focus on improving insurance affordability for customers Net neutral rate changes after cuts in 32 states, continued SAVE program |
| Q1'26 | Delivered | Continue rolling out ASC products broadly ASC auto now in 45 states vs. 43 in Q4, homeowners in 36 vs. 31 states |
| Q1'26 | Delivered | $1.5B share repurchase program completion in 2026 Completed in Q1 and launched $4B new program - exceeded commitment |
| Q4'25 | Exceeded | Maintain target combined ratios while growing Auto ~90% well below mid-90s target, homeowners 84.4% below low-90s target |
| Q4'25 | Pending | Deploy AI capabilities more broadly Still in 'design and build' phase for ALLIE, limited to generative AI applications |
| Q4'25 | Exceeded | Grow protection services internationally 39.7% international revenue growth vs 8.1% domestic |
| Q4'25 | Delivered | Continue expense ratio improvements Maintained 6.6-6.7 point improvement, enabled premium reductions while holding margins |
| Q4'25 | Pending | Get New York and New Jersey ASC approvals Got NJ approval for February, still waiting on NY - partial delivery |
| Q4'25 | Pending | Focus on improving retention Used identical language both quarters, no specific progress metrics provided |
| Q4'25 | Delivered | Continue rolling out ASC products broadly ASC now in 43 states auto, 31 home, 30 renters - expanded from prior quarter |
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