---
schema_version: "secwatch.filing_event.v1"
accession: "0002040491-26-000052"
form_type: "8-K"
ticker: "ASIC"
cik: "0002040491"
company_name: "Ategrity Specialty Insurance Co Holdings"
filed_at: "2026-10-21T20:03:30+00:00"
generated_at: "2026-10-21T20:06:35.550367+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Ategrity Q3 EPS falls to $0.29 from $0.45 despite record 84.7% combined ratio

## Summary
- Net income attributable to stockholders $14.6M ($0.29 per diluted share) vs $22.7M ($0.45) a year ago; adjusted net income $14.7M ($0.29).
- Gross written premiums rose 14.7% to $165.0M; property +25.0%, casualty +10.0%; underwriting income $19.5M, up 83.7% from $10.6M.
- Combined ratio 84.7% vs 88.7%; loss ratio 57.5% (-2.5 pts), expense ratio 27.2%; book value per share $13.72, up 7.4% from year-end.
- Former CFO Neelam Patel gets $200,000 severance over six months, $354,794.52 prorated 2026 bonus, six months health coverage and $50,000 for her 2025 special bonus.
- Adjusted ROE 8.9% in Q3 and 15.5% YTD; CEO Justin Cohen cited 30% submissions growth and four new specialty product launches.

## SEC filing metadata
- accession: 0002040491-26-000052
- form_type: 8-K
- ticker: ASIC
- cik: 0002040491
- company_name: Ategrity Specialty Insurance Co Holdings
- filed_at: 2026-10-21T20:03:30+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2040491/000204049126000052/0002040491-26-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2040491/000204049126000052/asic-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002040491-26-000052
- JSON: https://secwatch.observer/filing/0002040491-26-000052.json
- Plain text: https://secwatch.observer/filing/0002040491-26-000052.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.