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fin.insurance-loss-ratio Calculator
Calculates the insurance loss ratio, combined ratio, and underwriting profit/loss from premiums, losses, and expenses. A combined ratio above 100% means the insurer is paying out more in claims and expenses than it collects in premiums — only investment income keeps it profitable.
Inputs
Incurred Losses
Reference formula or conversion factor shown for context.
Earned Premium
Reference formula or conversion factor shown for context.
Loss Adjustment Expenses Pct
Reference formula or conversion factor shown for context.
Results
pure loss ratio
The proportional relationship between two quantities.
loss + LAE ratio
The proportional relationship between two quantities.
combined ratio (est. 30% expense)
The proportional relationship between two quantities.
underwriting profit (loss)
Revenue minus all costs -- the net gain from the activity.
profitability
Net profit after all costs (electricity, pool fees, hardware amortisation). Highly sensitive to coin price and difficulty — re-run frequently.
industry breakeven combined ratio
The proportional relationship between two quantities.