Airtime depreciation expense -- Non-cash expense equal to 89% of service revenue in both fiscal Q4 and Q3 2025. Legacy network cost reduction -- Minimum bandwidth commitment to decrease by $7 million ...
GAAP net combined ratio in the quarter, with a 75% full-year ratio, driven by a 1.2-point catastrophe loss ratio, materially lower than the six-year average of 7.1 points. Net Premiums Earned -- ...
Marketing efficiency -- Overall marketing efficiency improved by approximately 300 basis points between Q1 and Q4; retention channels increased to over 10% of e-commerce revenue from 6.7%, and mobile ...
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