ST. PAUL FIRE AND MARINE INSURANCE COMPANY
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Cash
£24M
-2.5% vs 2023
Net assets
£6B
+0.4% vs 2023
Employees
1,388
-3.6% vs 2023
Profit before tax
£1B
+96.7% vs 2023
Net assets
2-year trend · vs Unclassified median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £6,164,436,680 | £6,874,226,269 | |
| Operating profit | £592,042,044 | £1,061,634,033 | |
| Profit before tax | £533,237,273 | £1,048,639,191 | |
| Net profit | £533,237,273 | £846,415,322 | |
| Cash | £24,707,361 | £24,095,118 | |
| Total assets less current liabilities | £18,311,377,205 | £19,945,479,996 | |
| Net assets | £5,716,381,808 | £5,741,226,563 | |
| Equity | £5,716,381,808 | £5,741,226,563 | |
| Average employees | 1,440 | 1,388 | |
| Wages | £78,157,895 | £77,670,867 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 9.6% | 15.4% | |
| Net margin | 8.7% | 12.3% | |
| Return on capital employed | 3.2% | 5.3% | |
| Gearing (liabilities / total assets) | 68.9% | 71.3% | |
| Current ratio | 36.03x | 34.00x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- US Statutory
- Reporting scope
- Standalone (parent only)
- Audit opinion
- Unaudited (audit-exempt)
Group structure
- ST. PAUL FIRE AND MARINE INSURANCE COMPANY · parent
- 8527512 Canada Inc. 100%
- MKMII Capital Trust I 100%
- USF&G Europe S.A. 100%
- USF&G Capital III 100%
- English Turn Fidelity Management Inc 100%
- English Turn Insurance Company 100%
- SPFM Holdings Inc.
Significant events
- “On January 1, 2024 the Company had unfunded commitments to certain investments of $1.02 billion.”
- “On January 1, 2024 the Company acquired Corvus Insurance Holdings Inc. (Corvus), a cyber insurance managing general underwriter for $5.0 million.”
- “On June 17, 2024, the Company made a capital contribution of $3.0 million to its wholly-owned subsidiary Fidelity and Guaranty Insurance Company.”
- “On July 24, 2024, the Company sold all issued and outstanding shares of Corvus to The Travelers Indemnity Company for cash consideration of $459.7 million.”
- “On December 20, 2024 the Company received a $165.5 million return of capital from its wholly-owned subsidiary SPFM Holdings Inc.”
- “Beginning in early January 2025, there was a series of severe wildfires that impacted the Pacific Palisades neighborhood and Eaton Canyon area in Southern California.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 27 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FREY, Daniel Stephen | Director | 2018-09-01 | Jul 1964 | American |
| HEYMAN, William Herbert | Director | 2004-06-16 | Apr 1948 | American |
| KUCERA KALLA, Christine | Director | 2018-07-01 | Jun 1969 | American |
| SEMINARA, Nicholas | Director | 2018-04-02 | Jan 1967 | American |
| TOCZYDLOWSKI, Gregory | Director | 2009-07-16 | Nov 1966 | American |
Show 27 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SHERVHEIM, Lloyd | Secretary | 1980-02-04 | 2024-06-25 |
| ZICCARELLI, Paul David | Secretary | 1989-05-01 | 1998-04-30 |
| ALBRECHT, Susan Jane | Director | 1995-01-27 | 1998-12-07 |
| BARSNESS, Webster Edwin Bye | Director | 1980-02-04 | 2024-06-25 |
| BETHAY, John Nathan | Director | 1979-09-06 | 2024-06-25 |
| BRITTON, Douglas James | Director | 1977-03-02 | 2024-06-25 |
| BROWN JR, Nicholas Mark | Director | 1993-02-09 | 1996-10-31 |
| CONROY, Michael James Thomas | Director | 1995-08-04 | 2024-06-25 |
| DALTON, Howard Edward | Director | 1988-04-29 | 1998-04-30 |
| DUFFY, James Francis | Director | 1990-05-28 | 2024-06-25 |
| FISHMAN, Jay Steven | Director | 2001-10-23 | 2024-06-25 |
| GERBER, Edward Michael | Director | 1995-04-27 | 1995-04-27 |
| GOLDSTEIN, Kenneth Fred | Director | 1989-04-28 | 1993-10-15 |
| HANSON, Gary Paul | Director | 1993-02-09 | 1996-05-09 |
| HAUGH, Robert James | Director | 1977-03-02 | 2024-06-25 |
| LAMENDOLA, Robert Jule | Director | 2000-04-25 | 2024-06-25 |
| LEATHERDALE, Douglas West | Director | 1979-09-06 | 2024-06-25 |
| LISKA, Paul James | Director | 1997-01-27 | 2024-06-25 |
| MACCOLL, John Alexander | Director | 2000-04-25 | 2024-06-25 |
| MILLER, Timothy Micahel | Director | 1999-11-30 | 2024-06-25 |
| SCHULTE, James Allen | Director | 1993-02-09 | 1998-09-04 |
| SHERVHEIM, Lloyd O | Director | 1982-01-29 | 2024-06-25 |
| SMITH, Waverley Graves | Director | 1971-07-16 | 2024-06-25 |
| SWAIN, Thomas Holliday | Director | 1977-03-02 | 2024-06-25 |
| THIELE, Patrick Allen | Director | 1988-06-22 | 1998-08-21 |
| TONGEN, Richard W | Director | 1981-10-28 | 2024-06-25 |
| URNESS, Kent Douglas | Director | 1999-11-30 | 2024-06-25 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 112 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-18 | AA | accounts | Accounts with accounts type full | |
| 2025-02-18 | AA | accounts | Accounts with accounts type full | |
| 2024-11-14 | OSCH01 | other | Change company details by uk establishment overseas company with change details | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date | |
| 2024-07-15 | OSTM01 | officers | Termination person director overseas company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 1
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+11.5%
£6,164,436,680 £6,874,226,269
-
Cash
-2.5%
£24,707,361 £24,095,118
-
Net assets
+0.4%
£5,716,381,808 £5,741,226,563
-
Employees
-3.6%
1,440 1,388
-
Operating profit
+79.3%
£592,042,044 £1,061,634,033
-
Profit before tax
+96.7%
£533,237,273 £1,048,639,191
-
Wages
-0.6%
£78,157,895 £77,670,867
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers