q42025spntinvestorpresen

Q4 2025 INVESTOR PRESENTATION February 18, 2026 NYSE: SPNT

Basis of Presentation and Non-GAAP Financial Measures: Unless the context otherwise indicates or requires, as used in this presentation references to “we,” “our,” “us,” the “Company,” and "SiriusPoint" refer to SiriusPoint Ltd. and its directly and indirectly owned subsidiaries, as a combined entity, except where otherwise stated or where it is clear that the terms mean only SiriusPoint Ltd. exclusive of its subsidiaries. We have made rounding adjustments to reach some of the figures included in this presentation and, unless otherwise indicated, percentages presented in this presentation are approximate. In presenting SiriusPoint’s results, management has included financial measures that are not calculated under standards or rules that comprise accounting principles generally accepted in the United States (“GAAP”). SiriusPoint’s management uses this information in its internal analysis of results and believes that this information may be informative to investors in gauging the quality of SiriusPoint’s financial performance, identifying trends in our results and providing meaningful period-to-period comparisons. Core underwriting income, Core net services income, Core income, Core combined ratio, accident year loss ratio, accident year combined ratio, attritional loss ratio and attritional combined ratio are non-GAAP financial measures. Management believes it is useful to review Core results as it better reflects how management views the business and reflects the Company’s decision to exit the runoff business. Book value per diluted common share excluding accumulated other comprehensive income (loss) ("AOCI") and tangible book value per diluted common share, as presented, are non-GAAP financial measures and the most directly comparable U.S. GAAP measure is book value per diluted common share. Management believes it is useful to exclude AOCI because it may fluctuate significantly between periods based on movements in interest and currency rates. Management believes the effects of intangible assets are not indicative of underlying underwriting results or trends and make book value comparisons to less acquisitive peer companies less meaningful. Operating net income and Operating earnings per share are non-GAAP financial measures and the most directly comparable U.S. GAAP measure is net income and diluted earnings per share, respectively. Operating net income excludes items which we believe are not indicative of the operations of our operating businesses, including realized and unrealized gains (losses) on strategic and other investments and liability-classified capital instruments, non-recurring costs associated with acquisitions or sales of subsidiaries, income (expense) related to loss portfolio transfers, deferred tax assets attributable to the enactment of the Bermuda corporate income tax, development on COVID-19 reserves resulting from the COVID-19 reserve study performed concurrently with the settlement of the Series A Preference shares in the third quarter of 2024, and foreign exchange gains (losses). We believe it is useful to review Operating net income as it better reflects how we view the business, as well as provides investors with an alternative metric that can assist in predicting future earnings and profitability that are complementary to GAAP metrics. Operating ROE is calculated by dividing annualized Operating net income for the period by average common shareholders’ equity, excluding AOCI, and after adjusting for the above noted items to arrive at Operating net income. Management believes it is useful to exclude AOCI because it may fluctuate significantly between periods based on movements in interest and currency rates. A reconciliation of these non-GAAP financial measures to the most directly comparable GAAP measure is contained in our Form 10-K, earnings release or financial Supplement for the quarter ended December 31, 2025 and in Appendices 1-3 on slides 29-31 in this deck. Safe Harbor Statement Regarding Forward-Looking Statements: This presentation includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are subject to known and unknown risks and uncertainties, many of which may be beyond the Company’s control. The Company cautions you that the forward-looking information presented in this presentation is not a guarantee of future events, and that actual events may differ materially from those made in or suggested by the forward-looking information contained in this presentation. In addition, forward-looking statements generally can be identified by the use of forward-looking terminology such as “believes,” “intends,” “seeks,” “anticipates,” “aims,” “plans,” “targets,” “estimates,” “expects,” “assumes,” “continues,” “guidance,” “should,” “could,” “will,” “may” and the negative of these or similar terms and phrases.These risks and uncertainties include, but are not limited to, the "Risk Factors" described in the Company's most recent Annual Report on Form 10-K and other subsequent periodic reports filed with the Securities and Exchange Commission. All forward-looking statements speak only as of the date made and the Company undertakes no obligation to update or revise publicly any forward-looking statements, whether as a result of new information, future events or otherwise. Appendix 5 on slide 33 contains a glossary of abbreviated terms. 2 DISCLAIMER

AGENDA 3 Highlights & Strategic Update Scott Egan, Group CEO Fourth Quarter & Full Year Results Update Jim McKinney, Group CFO Q&A

Highlights & Strategic Update

5 SIRIUSPOINT OVERVIEW Notes: Pie Chart represents Trailing Twelve Months Gross Written Premium. [1] Gross Written Premium on a Trailing Twelve Months basis. [2] Represents total shareholders' equity plus debt capital. [3] SiriusPoint Group Bermuda Solvency Capital Ratio calculated as available economic capital and surplus divided by the enhanced capital requirement. Q4'25 figure is an estimate. [4] Financial Strength Ratings and outlook according to AM Best, Fitch and S&P. Moody's FSR of A3 with stable outlook. Drive excellence as a best-in-class specialty underwriter, with a diverse and low-volatility portfolio, that targets a 12-15% ROE across the cycle Energy Surety Casualty Aviation/Space Other Specialties Credit Environmental Marine Total AssetsTotal Capitalization2Gross Written Premium1 $3.7bn $3.2bn $12.6bn Accident & HealthProperty BSCR Ratio3 247% Financial Strength Rating4 A- (Positive) Strong Balance Sheet with Robust Risk Management Relentless Focus on Underwriting Disciplined and Agile Capital Allocator Dynamic Multi-Channel Global Access 32% 27% 15% 7% 6% 5% 3%

6 STRONG 2025 EARNINGS & PROFITABLE PREMIUM GROWTH Notes: [1] Reflects Core segment. [2] Operating Diluted Earnings Per Share is a non-GAAP measure. See Appendix 2 on slide 30 for a reconciliation. [3] Operating Return on Equity represents a non-GAAP measure. See Appendix 3 on slide 31 for a reconciliation to Return on Equity. [4] SiriusPoint Group Bermuda Solvency Capital Ratio calculated as available economic capital and surplus divided by the enhanced capital requirement. Q4'25 figure is an estimate. [5] Pro-forma Q4'25 BSCR estimate after $200m Series B Preference Share redemption effective February 26, 2026. BVPS (ex. AOCI) $18.10 Operating Return on Equity3 16.2% BSCR Ratio4 247% 232% (ex. Pref)5 Gross Written Premium1 Core Combined Ratio FY 25 Q4 FY 25 Q4 Operating Earnings Per Share2 FY 25 Q4 FY 25 Core COR of 91.7%, with disciplined GWP growth of 16% Q4 Core COR of 92.9%, marking thirteen consecutive quarters of UW profit Book Value Per Diluted Share growth of +$4.01/+28% in 2025 (+$1.70/+10% in Q4) Premium growth of 18% in Q4, driven by Insurance & Services Announcing our intent to repurchase $100m of common shares over the next 12 months FY 25 FY 25 Operating Return on Equity3 of 16.2%, up 1.6 ppts - 3rd consecutive yr. of improvement Completed sales of Armada (Q4'25) and Arcadian (Q1'26) with $390m proceeds received +18% 92.9% $0.70 +16% 91.7% $2.55 Net income of $444m in FY 25, up 141% from $184m in FY 24

2022-2023: Turnaround 2024: Major Reshaping 7 Notes: [1] Total Shareholder Return (TSR) calculated from September 21, 2022, when the management changes occurred. 2025 figure calculated through February 17, 2026. [2] On continuing lines business within our Core segment. [3] For Core business as demonstrated on slide 20. [4] As demonstrated on slide 10 based on the last eight quarters (i.e., two years) as at Q3'25. [5] Pro-forma adjusting Q4'25 BSCR following the $200m Series B Preference Share redemption effective February 26, 2026. PLATFORM RESHAPING ENABLING PROFITABLE GROWTH 132% Cumulative TSR to date1 228% Cumulative TSR to date1 Exited non-core International Property Reinsurance, Cyber & Workers' Compensation De-risked investment portfolio Underwriter compensation structure aligned to shareholder interests Implemented >$50m of run-rate cost savings Significant improvement on employee engagement metrics LPTs covering $2.1bn of reserves from exited business, with >95% limit remaining Completed external validation of reserving prudence - 15 consecutive quarters of favorable PYD at FY 24 Settled Merger Instruments eliminating dilution and removing volatility Unlocked and recognized $100m off-Balance Sheet MGA value during 2024 Capital structure simplified through share buyback and debt actions 320% Cumulative TSR to date1 $1.0bn Capital returned to shareholders $100m buyback intention announced Outperformed 'across the cycle' Operating ROE target of 12-15% Thirteen consecutive quarters of UW profit Seven consecutive quarters of double-digit premium growth2 1.5 point improvement in FY 25 attritional combined ratio year over year3 Stable combined ratio performance vs peers4; growth in A&H and Other Specialties Crystallized $189m off-Balance Sheet MGA value Robust balance sheet: BSCR ratio improved to 247% (pro-forma 232%5) and leverage ratio to reduce to historic low 2025 Onwards: Profitable Growth

$11.59 $12.41 $12.63 $12.91 $13.33 $13.74 $14.47 $14.25 $14.64 $15.15 $15.64 $16.47 $18.10 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 $87.3 $70.2 $84.5 $74.7 $36.6 $107.9 $57.8 $94.3 $43.5 $61.0 $78.1 $85.2 $85.8 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 8 TRACK RECORD OF ATTRACTIVE EARNINGS AND VALUE CREATION Notes: [1] Operating Net Income represents a non-GAAP measure. See Appendix 1 on slide 29 for a reconciliation to Net Income. [2] Operating Return on Equity represents a non-GAAP measure. See Appendix 3 on slide 31 for a reconciliation to Return on Equity. Operating Net Income1 Book Value Per Share (ex. AOCI) $ numbers in USD millions, except per share data +56% G rowth Long-Term Value Framework 12.8% 14.6% 16.2% Operating Return on Equity FY 23 FY 24 FY 25 Target niche and growing markets where we have a competitive advantage and a right to win Act nimbly, actively manage portfolio to maximize capital returns Optimize volatility and diversify earnings streams to target a 12-15% ROE across the cycle 2

90.1% 89.1% 94.2% 92.2% 91.7% 92.1% 89.2% 90.2% 90.2% 90.5% 91.3% 93.7% 96.2% 95.9% 94.2% 97.5% 97.9% 103.9% 101.6% 101.3% 99.4% 93.9% 93.7% 92.4% 93.0% 92.0% 91.3% 92.2% 91.1% 91.1% 91.7% Peer Average SiriusPoint Core (ex. LPT Benefit) Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Q4 23 Q1 24 Q2 24 Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 9 EXECUTING ON OUR AMBITION OF BEST-IN-CLASS UNDERWRITING Notes: [1] Peer average includes American Financial Group, AIG, Arch, AXIS, Chubb, Everest, Fidelis, Hamilton, James River, Markel, RenaissanceRe, RLI, Selective, Skyward Specialty, Travelers and W.R. Berkley. [2] Q4'25 peer average not shown as various peers are still to report. Trailing Twelve Months Combined Ratio 1 Key Messages – Portfolio actions created a 12.2 point improvement in SiriusPoint's trailing twelve month combined ratio compared to Q3'22 – Combined ratio volatility significantly reduced as of Q3'23, despite an increase in peer volatility, with continued improvement from targeted actions – Starting Q4'24, SiriusPoint has achieved a trailing twelve month Core combined ratio that has outperformed the peer average 2

Combined Ratio Volatility1 10 PORTFOLIO PRODUCES LOW VOLATILITY PROFILE Notes: [1] Combined ratio volatility measured as the standard deviation in quarterly combined ratios for the last eight quarters (i.e., two years) as at Q3'25. SiriusPoint combined ratio is for Core segment and excludes benefits related to LPTs. Peers include American Financial Group, AIG, Arch, AXIS, Chubb, Everest, Fidelis, Hamilton, James River, Markel, RenaissanceRe, RLI, Selective, Skyward Specialty, Travelers and W.R. Berkley. 1.2% 2.2% 2.5% 2.5% 2.8% 4.0% 4.3% 4.4% 5.0% 6.8% 6.8% 8.5% 12.0% 15.5% 17.5% 18.7% 22.8% Company A Company B SiriusPoint Company C Company D Company E Company F Company G Company H Company I Company J Company K Company L Company M Company N Company O Company P Key Messages – Quarterly combined ratio volatility benchmarks favorably to peers ◦ Delivered above 12% to 15% across the cycle operating ROE through a period of heightened volatility from catastrophe and aviation losses ◦ Volatility profile aligns with US Specialty peers – Rigorous and disciplined approach to portfolio and capital management enables low volatility, high Operating ROE outcomes across the cycle ◦ 2025 GWP growth largely came from lower volatility offerings like A&H US Specialty Peers

11 PORTFOLIO EVOLUTION TOWARDS US SPECIALTY INSURANCE Notes: [1] Bubbles are to scale and represent FY 25 Gross Written Premiums by underwriting entity/platform. UK represents the UK Branch on SiriusPoint International Insurance Corporation (publ). [2] Pie charts show Gross Written Premium mix for Core segment. $1.8bn US Admitted & Non-Admitted $0.4bn Bermuda Class 4 Entity $0.9bn UK & Lloyd's $0.6bn Other Platforms FY 25 Gross Written Premium by Underwriting Platform1 40% 60% 63% 37% Reinsurance Insurance and Services Underwriting Portfolio Mix Evolution2 Strong optionality in underwriting platforms given global licenses Deliberate growth in Insurance over Reinsurance means that roughly two-thirds of premiums are now from Insurance (vs. 40% in FY 21) Approximately half of premiums are now underwritten in the US as we continue to evolve into a US Specialty underwriter FY 21 FY 25

12 STRONG GROWTH WHILE RETAINING UNDERWRITING DISCIPLINE Notes: [1] Reflects Core continuing lines premium for 2023 and 2024 which excludes business exited in 2022 and 2023. 32% 7% 4% 7% (7)% 22% 10% 21% 12% 10% 26% 18% 19% 12% 7% 3% 4% 7% 5% 15% 21% 17% 18% 16% Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Core Combined Ratio (ex. LPT Benefit)Premium Growth1 Reallocation of capital from 1/1 business to renewals later in the year 95.5% 91.1% 91.7% 93.8% 91.7% 92.5% 87.0% 83.7% 84.7% 89.6% 89.1% 91.9% 6.6% 10.9% 96.8% 91.1% 92.9% 93.8% 91.7% 93.5% 88.9% 90.3% 95.6% 89.5% 89.1% 92.9% Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Catastrophe Loss Ratio Combined Ratio (ex. Catastrophe Losses) Gross Written Premium Net Earned Premium

60% of growth from lines less correlated with P&C pricing 13 TARGETED AND PROFITABLE APPROACH TO GROWTH IN 2025 Notes: [1] Reflects Core business. Key SummaryGross Written Premium Walk1 $3,176 $189 $119 $82 $122 $3,689 FY 24 GWP Accident & Health Surety UK Residential & SME (Property) Other FY 25 GWP Growth managed on a portfolio-level basis with intention of maintaining the low volatility profile Low volatility business is growing at faster pace than high volatility business Accident & Health, a stable line with low capital intensity, drives the largest contribution to growth in 2025 Boasts a continuous track record of profitable delivery through various market cycles 60% of growth comes from diversifying lines that are less correlated to P&C pricing cycles, such as Accident & Health and Surety Nimble, multi-channel distribution creates a dynamic capability to deploy capital opportunistically Property growth largely coming from UK Residential & SME with cat volatility protected by low attaching XL reinsurance $ numbers in USD millions – – – FY Growth Contribution 6% 4% 2% 4% 16%

9% 43% 48% 14 DISCIPLINED MGA DISTRIBUTION WITH SEASONED RELATIONSHIPS Overview of MGA Relationships Key Messages 1-2 Years 5+ Years 3-4 Years – Over 90% of the MGA premium mix comes from partners with a 3+ year relationship who have proven profitability track records – Partner growth is managed carefully and tightly, particularly during initial years ◦ Our risk-based approach to reserving generally results in newer relationships being reserved above pricing projections to account for uncertainty from limited performance experience ◦ Partners onboarded in the last 2 years represent 34% of total partners but just 9% of gross written premiums – Profit sharing in place for 88% of partners3 ensuring alignment of economics – Rejected over 90% of opportunities presented to us via the MGA distribution channel – Our Partnership platform and offering continues to earn us recognition as a 'Partner of Choice' ◦ Awarded US Program Manager of the year in 2025 at Program Manager Awards Notes: [1] Represents number of onboarded MGA partners broken out by relationship length. [2] Represents MGA-derived Gross Written Premiums for Core segment on a trailing twelve month basis as at 12/31/25. [3] Refers to P&C MGA partners. 34% 31% 35% Onboarded Partner Relationship Length1 1-2 Years 5+ Years 3-4 Years MGA Premium Mix by Relationship Length2

24% 46% 12% 8% 7% 3% IMG Health/Medical Life Personal Accident Supplemental Health Other Travel 15 FOCUSING ON ACCIDENT & HEALTH Investing in IMG's Distribution and Services Accident & Health Portfolio Overview – IMG is a 100%-owned A&H MGA that is a core part of the business for both underwriting and fee income – Undervalued on the Balance Sheet ($77m at Q4'25) with over $30m of expected fee income in 2026 SiriusPoint GWP Accident & Health GWP 2025 GWP $3.7bn 2025 GWP $1.0bn 20+ year track record of consistent profitability Stable book is a "volatility shock absorber" to wider portfolio Less correlated to wider P&C pricing cycles Low capital intensity underwriting and capital-light fee income + + – IMG's announced acquisitions integrate complementary businesses to form a unified platform ◦ Expands global footprint ◦ Strengthens capabilities ◦ Drives operational efficiency 27%73%

16 SIRIUSPOINT FORWARD OUTLOOK Seasoned management team with demonstrated track record of execution Low volatility underwriter with track record of delivering or exceeding our profitability targets Undervalued balance sheet with demonstrated significant upside from MGA portfolio Agile capital allocator with proven ability to move and optimize capital Disciplined profitable growth with untapped opportunities and a track record of double-digit growth Attractive markets targeting underserved and defensible niches Our delivery targets a 12-15% return on equity across the cycle Strong underwriting culture with compensation aligned to shareholder value creation

Fourth Quarter and Full Year Results Update

Financial Highlights $ numbers in USD millions Q4'24 Q4'25 Gross Written Premium $763 $897 Net Written Premium $560 $661 COR (%) 90.2% 92.9% UW Income $56 $49 Net Services Fee Income $10 $4 Total Investment Result2 $29 $59 Operating Net Income3 $44 $86 Operating Earnings Per Share4 $0.27 $0.70 Q3'25 Q4'25 Common Shareholders' Equity5 $2,010 $2,270 Diluted Book Value Per Share (ex. AOCI) $16.47 $18.10 Q4 2025 FINANCIAL RESULTS 18 Notes: [1] Reflects Core segment. [2] Total investment result calculated as the sum of net realized and unrealized investment gains (losses), net realized and unrealized investment gains (losses) from related party investment funds and net investment income. [3] Operating Net Income represents a non-GAAP measure. See Appendix 1 on slide 29 for a reconciliation. [4] Operating Diluted Earnings Per Share is a non-GAAP measure. See Appendix 2 on slide 30 for a reconciliation. [5] Common shareholders’ equity attributable to SiriusPoint common shareholders at end of period. [6] Excluded from operating net income. – GWP1 up 18%, with NWP1 increasing by 18% and NEP1 up 16% – UW Income of $49m and COR of 92.9%1 ◦ Includes attritional loss ratio improvement and historic acquisition cost one-off, with run rate on track – Diluted EPS of $1.97, or $0.70 on an operating basis – Total net services fee income1 of $4m, up 45% YoY for go- forward MGAs – Strong Investment result following asset reduction from CM Bermuda buyback ◦ NII of $69m in line with full year guidance ($265m to $275m) – Other notable pre-tax items impacting Q4'25 net income: ◦ $222m gain from Armada sale closing6 ◦ $20m interest expense of which $7m6 relates to LPTs ◦ $8m of foreign exchange losses6 – Effective tax rate for the quarter lower by c. 6 points due to non-run rate items of c. $20m – Common shareholders' equity5 increased 13% to $2.3bn – $1.63 increase in diluted book value per share (ex. AOCI) Key Comments CO RE S EG M EN T

Financial Highlights $ numbers in USD millions FY 24 FY 25 Gross Written Premium $3,176 $3,689 Net Written Premium $2,341 $2,778 COR (%) 91.0% 91.7% UW Income $200 $214 Net Services Fee Income $47 $42 Total Investment Result2 $225 $272 Operating Net Income3 $304 $310 Operating Earnings Per Share4 $1.71 $2.55 Common Shareholders' Equity5 $1,737 $2,270 Diluted Book Value Per Share (ex. AOCI) $14.64 $18.10 FULL YEAR 2025 FINANCIAL RESULTS 19 Notes: [1] Reflects Core segment. [2] Total investment result calculated as the sum of net realized and unrealized investment gains (losses), net realized and unrealized investment gains (losses) from related party investment funds and net investment income. [3] Operating Net Income represents a non-GAAP measure. See Appendix 1 on slide 29 for a reconciliation. [4] Operating Diluted Earnings Per Share is a non-GAAP measure. See Appendix 2 on slide 30 for a reconciliation. [5] Common shareholders’ equity attributable to SiriusPoint common shareholders at end of period. [6] As shown on slide 20. [7] Excluded from operating net income. – GWP1 up 16%, with NWP1 increasing by 19% and NEP1 up 18% – UW Income up 7% with stable 91.7% COR1 ◦ Quality of earnings improvement with attritional COR decreasing 1.5 ppts YoY6 – Diluted EPS of $3.64, or $2.55 on an operating basis (up 49% YoY) – Total net services fee income1 of $42m – Strong Investment result following asset reduction from CM Bermuda buyback ◦ NII of $275m in line with full year guidance ($265m to $275m) – Other notable pre-tax items impacting FY 25 income: ◦ $222m gain from Armada sale closing7 ◦ $80m interest expense of which $31m7 relates to LPTs ◦ $25m of foreign exchange losses7 – Common shareholders' equity5 increased 31% to $2.3bn – $3.46 increase in diluted book value per share (ex. AOCI) Key Comments CO RE S EG M EN T

1.5 POINTS OF COMBINED RATIO EARNINGS QUALITY IMPROVEMENT 20 Attritional Loss Ratio (Loss ratio excluding catastrophe losses and prior year development) OUE Ratio3 Notes: [1] Reflects Core business. [2] Total expense ratio calculated as the sum of acquisition cost ratio and other underwriting expense ratio. [3] OUE = Other Underwriting Expense. [4] PYD = Prior Year Development. 59.8% 59.0% 25.7% 26.0% 7.6% 6.6% 93.1% 91.6% Attritional COR (FY 24) Attritional COR (FY 25) – 1.5 ppts of earnings quality improvement within Core segment business YoY when excluding catastrophe losses and PYD4 – 0.8 ppts improvement in attritional loss ratio driven by improved risk selection – 1.0 ppt decrease in OUE ratio to 6.6% due to scaling benefits from NEP growth Attritional Loss Ratio plus Total Expense Ratio2 Acquisition Cost Ratio 91.6% (2.8)% 2.9% 91.7% Attritional COR (FY 25) Prior Year Development Catastrophe Losses Core COR (FY 25) Bridge to Core Combined RatioTrends in Attritional Combined Ratio1 – Core COR 0.1 ppt higher than attritional COR driven by catastrophe losses – 2.9 ppts of catastrophe losses, relating primarily to California Wildfires during Q1 – 2.8 ppts or $72m of favorable PYD4, relating to reserve releases on Property events, Accident & Health, and Credit 59.0% 26.0% 6.6% Remove slide from Q1 26

Notes: [1] Year to date. [2] Combined ratio excluding catastrophe losses and prior year development. $450 $556 Q4'24 Q4'25 $1,841 $2,314 FY 24 FY 25 21 INSURANCE & SERVICES SEGMENT Gross Written Premium Combined Ratio Key Messages 55.5% 58.4% 61.9% 59.1% 24.6% 28.6% 24.7% 26.8% 7.8% 6.3% 6.9% 5.8% 87.9% 93.3% 93.5% 91.7% OUE Ratio Acq. Cost Ratio Loss Ratio Q4'24 Q4'25 FY 24 FY 25 Business Mix1 A&H 43% Casualty 30% Other Specialties 18% Property 9% +23% – Premium Gross written premium increased 23% for the quarter, contributing to a full year growth rate of 26%. On a net basis, written premium increased by 17% for the quarter and 33% for full year with our strategy to grow our net position with MGA partners as we gain additional experience – Loss Performance Fourth quarter loss ratio increased by 2.9 ppts, with higher favorable PYD in the prior year comparator partially offset by lower catastrophe losses in the quarter. The full year loss ratio improved 2.8 ppts, driven entirely by attritional loss improvement – Underwriting Result Combined ratio increased 5.4 ppts largely related to lower PYD and a couple of one-time items that impact the acquisition cost ratio. Year to date, the combined ratio improved 1.8 ppts as the 2.8 ppt improvement in the loss ratio and 1.1 ppt improvement in the OUE ratio was partially offset by a 2.1 ppt increase in the acquisition cost ratio Attritional COR292.0% 93.4% +26% 95.3% 95.2% $ numbers in USD millions

22 REINSURANCE SEGMENT Notes: [1] Year to date. [2] Combined ratio excluding catastrophe losses and prior year development. Gross Written Premium Combined Ratio Key Messages 55.8% 56.5% 53.0% 59.1% 27.5% 26.8% 26.8% 25.0% 9.9% 8.8% 8.2% 7.7% 93.2% 92.1% 88.0% 91.8% OUE Ratio Acq. Cost Ratio Loss Ratio Q4'24 Q4'25 FY 24 FY 25 Business Mix1 Other Specialties 40% Casualty 36% Property 24% – Premium Gross written premium increased 9% for the quarter, resulting in 3% growth for full year. Growth in the fourth quarter came from Casualty while Property saw a reduction, and Other Specialties premiums were broadly flat – Loss Performance Fourth quarter loss ratio increased by 0.7 ppts, with high favorable PYD in the prior year comparator partially offset by lower catastrophe losses in the quarter. The full year loss ratio increased by 6.1 ppts with favorable PYD accounting for 3.6 less ppts, catastrophe losses up 1.3 ppts, and the attritional loss ratio increasing 1.2 ppts due to business mix – Underwriting Result Combined ratio decreased by 1.1 ppts in the fourth quarter driven by improving expense ratio. On a year to date basis the combined ratio increased 3.8 ppts as the increase in the catastrophe loss ratio was partially offset by a 1.8 ppt improvement in the acquisition cost ratio and 0.5 ppt improvement in the OUE ratio Attritional COR295.7% 92.1% 89.4% $312 $341 Q4'24 Q4'25 $1,336 $1,375 FY 24 FY 25 9% +3% 90.5% $ numbers in USD millions

11.7% 7.9% 6.4% 4.6% 4.5% 4.3% 4.1% 3.5% 3.2% 2.7% 2.6% 1.9% 1.4% 0.6% 0.5% Company A Company H Company I Company C Company G Company J Company F Company D Company B Company E Company N Company L Company M SiriusPoint Company K 8.4% 6.3% 5.5% 5.3% 3.9% 3.5% 2.9% 2.8% 2.7% 1.8% 0.7% Company A Company B Company C Company M Company H Company G Company F Company D Company J Company I SiriusPoint Company E Company L Company N Company K 22.5% 8.0% 7.3% 6.5% 6.5% 6.3% 5.5% 5.0% 5.0% 4.3% 2.6% 2.5% 2.5% 1.7% 0.8% Company A Company H Company F Company I Company C Company B Company G Company J Company D Company E Company L Company N SiriusPoint Company M Company K 25.3% 16.3% 11.4% 9.0% 7.8% 7.8% 6.0% 5.9% 5.5% 5.0% 4.3% 2.2% 1.6% 1.1% 0.6% Company A Company B Company C Company D Company E Company F SiriusPoint Company G Company H Company J Company I Company L Company N Company M Company K 23 DELIBERATE ACTIONS HAVE REDUCED CATASTROPHE VOLATILITY FY 21 Catastrophe Loss Ratio FY 23 Catastrophe Loss Ratio FY 24 FY 25 Notes: Peer companies include American Financial Group, AIG, Arch, Aspen, AXIS, Chubb, Everest, Fidelis, Hamilton, Markel, Selective, Skyward Specialty, Travelers and W.R. Berkley. Catastrophe Loss Ratio Earnings Release Pending 33.6% 18.8% 15.1% 13.6% 10.9% 9.5% 8.3% 7.1% 6.0% 5.4% 5.4% 3.0% 2.5% 2.4% 1.8% Company A SiriusPoint Company B Company C Company D Company E Company F Company G Company H Company I Company J Company K Company L Company M Company N Do this as LTM from Q1? Catastrophe Loss Ratio FY 22 Catastrophe Loss Ratio

24 RESERVING PRUDENCE DEMONSTRATED BY PYD TRACK RECORD Notes: [1] Reflects consolidated results. [2] Q1'23 favorable prior year development excludes the one-off $102m benefit from the loss portfolio transfer. Favorable Prior Year Development1,2 $4.1 $3.8 $33.0 $24.7 $11.1 $38.9 $1.1 $30.6 $37.3 $34.2 $8.7 $8.9 $22.0 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 4.5% 3.3% 2.2% 2023 2024 FY 25 Reserve Releases as % of Opening Net Reserves1 $ numbers in USD millions – Nineteen consecutive quarters of favorable prior year development – External reserve review completed at FY 24 determined reserves were sufficiently prudent – Full quarterly bottom-up review of reserves by actuarial team and Board of Directors – New business booked with reserve load in excess of pricing indications – LPTs continue to benefit from high levels of coverage in excess of reserves Key Comments $212 $385 $202 $244 $287 $208 LPT Limit Remaining in Excess of Reserves Reserves covered by LPT at 12/31/25 Compre LPT (Signed 2021) Compre LPT (Signed 2023) Enstar LPT (Signed 2024) Loss Portfolio Transfers LPT Buffer (as % of reserves) 115% 75% 103%

$304 $275 FY 24 FY 25 Guidance FY 25 13% 41% 27% 17% 2% HIGH QUALITY INVESTMENT PORTFOLIO 25 $ numbers in USD millions Key Comments Notes: [1] FY 25 NII guidance based on internal modeling. [2] Third Point Enhanced Fund. [3] Other includes Strategic Investments, TP Ventures and Legacy & Other Alts. [4] Excludes short-term investments. $265-$2751 Net Investment Income – Q4'25 Net Investment Income of $69m contributes to FY 25 Net Investment Income of $275m ◦ In line with prior year quarter despite lower asset base following $733m CM Bermuda Investor Agreement ◦ FY Net Investment Income at upper end of FY 25 guidance of $265m to $275m1 – FY 26 Net Investment Income expected to be at a similar level to FY 25 Credit Quality4Investment Balances by Asset Class 34% 20% 14% 13% 9% 5% 4% AAA AA A BBB Not Rated / Below IG STI Corporate Other3 Fixed Income Duration4 Avg. Credit Quality 3.2 years AA- Reinvestment Rate >4.0% Investment Result $272m MBS Cash Government ABS CLO TPE2 Q4'25 $6.5bn

225% 22% 247% (15)% 232% (19)% 213% Q3'25 Net Capital Generation Q4'25E Preference Share Redemption Q4'25E Pro-forma Stress-Test Scenario Post-event Q4'25E 26 Notes: [1] SiriusPoint Group BSCR ratio calculated as available economic capital and surplus divided by the Bermuda solvency capital requirement as of September 30, 2025 and December 31, 2025, respectively. BSCR ratio is an estimate. [2] Equity Capital refers to total shareholders' equity and includes $200m of Series B Preference Shares that are set to be redeemed effective February 26, 2026. STRONG FINANCIAL STRENGTH AND CAPITAL POSITION – BSCR ratio optimized to maximize shareholder value whilst retaining prudence to withstand extreme 1-in-250 year stress-test scenarios – Three rating agency outlook upgrades to 'Positive' in 2025 – Operating the business against 'AAA’ rating requirement per S&P model – Capital mix remains high quality and highly diversified BSCR Ratio Walk1 $ numbers in USD millions Stress-Test Scenario 1-in-250 year event (on a per occurrence basis net of reinstatements and after tax) Modeled Cost: $221m Financial Strength Ratings (FSR) Key Comments Equity Capital2 GAAP Capital Debt Capital $2.5bn $0.7bn $3.2bn OUTLOOK UPGRADED 4/25/25 AFFIRMED 3/12/25 OUTLOOK UPGRADED 3/5/25 OUTLOOK UPGRADED 10/2/25 A- A3 A- A- (POSITIVE) (STABLE)(POSITIVE) (POSITIVE)

$506 $704 $682 $662 $671 Available dividend capacity from subsidiaries and HoldCo Investments Revolving Credit Facility undrawn capacity Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 27 Notes: [1] Debt / Capital Ratio calculated as debt divided by total capital. Debt + Preferred / Capital calculated as debt plus preference shares divided by total capital. Total capital represents the sum of shareholders’ equity and debt. [2] Pro-forma for the Q4'25 position taking into account the increase in book value from the Arcadian sale proceeds and the retirement of the $200 million Series B Preference Shares that are set to be redeemed effective February 26, 2026. [3] HoldCo Investments comprised of investment assets, cash and cash equivalents. BALANCE SHEET LEVERAGE RATIO TO REDUCE TO HISTORIC LOW Leverage1 Liquidity $ numbers in USD millions Key Comments 3 – Leverage ratio1 decreased to 28.1% driven by strong earnings and MGA sales. Remains within target range at Q4'25 ◦ Redemption of the $200m Series B Preference Shares prior to their rate reset in February 2026. Achieves historically low leverage ratio (below pre-CM Bermuda agreement level) while reducing cost of debt and providing significant go-forward financial flexibility – Announcing intention to repurchase $100m of common shares over the next twelve months – Ample liquidity available from investable assets and credit facilities to support business operations – Balance sheet continues to be undervalued, with consolidated MGAs held at book value of $80m producing roughly $30m of net services fee income – LPTs continue to have >95% of the combined limit remaining 27.2% 23.8% 24.8% 21.8% 23.1% 34.2% 29.7% 32.5% 28.1% 23.1% Debt / Capital Debt + Preferred / Capital FY 22 FY 23 FY 24 Q4'25 Q4'25 (Pro-forma) 2

Appendix

29 RECONCILIATION OF OPERATING NET INCOME Q4 25 Q3 25 Q2 25 Q1 25 Q4 24 Q3 24 Q2 24 Q1 24 Q4 23 Q3 23 Q2 23 Q1 23 Q4 22 Net income (loss) available to SiriusPoint common shareholders $ 240.0 $ 86.8 $ 59.2 $ 57.6 $ (21.3) $ 4.5 $ 109.9 $ 90.8 $ 93.5 $ 57.5 $ 55.9 $ 131.9 $ (26.6) Non-recurring adjustments: Gains on sale or deconsolidation of consolidated MGAs (222.4) — — — — — (96.0) — — — — — — (Gains) losses on strategic and other investments 6.0 (1.1) — 0.5 34.3 3.4 52.9 (0.1) 15.4 17.2 3.7 3.9 25.7 MGA & Strategic Investment Rationalization (216.4) (1.1) — 0.5 34.3 3.4 (43.1) (0.1) 15.4 17.2 3.7 3.9 25.7 (Income) loss on settlement and change in fair value of liability- classified capital instruments (CMIG Merger Instruments) — — — — 25.9 117.3 (10.6) 15.9 15.0 0.3 19.1 25.0 11.5 COVID-19 favorable reserve development1 — — — — — (19.9) — — — — — — — CMIG Instruments & Transactions — — — — 25.9 97.4 (10.6) 15.9 15.0 0.3 19.1 25.0 11.5 (Income) expense related to loss portfolio transfers 7.2 7.7 6.6 5.9 28.9 1.9 5.8 8.0 2.1 4.5 (6.6) (101.6) — Bermuda corporate income tax enactment (13.0) — — — — — — — (100.8) — — — — Restructuring costs — — — — — — — — — — — — 30.0 Foreign exchange (gains) losses 8.3 2.4 16.7 (2.2) (12.9) 3.0 3.6 (3.7) 19.2 (1.8) 17.4 0.1 61.5 Other non-recurring items 6.5 (11.0) — — — — — — — — — — — Income tax (expense) benefit on adjustments2 53.2 0.4 (4.4) (0.8) (11.4) (15.9) (7.8) (3.0) (7.8) (3.0) (5.0) 10.9 (14.8) Operating net income available to SiriusPoint common shareholders $ 85.8 $ 85.2 $ 78.1 $ 61.0 $ 43.5 $ 94.3 $ 57.8 $ 107.9 $ 36.6 $ 74.7 $ 84.5 $ 70.2 $ 87.3 Notes: Metric referenced on slides 8, 18 and 19. [1] This development, primarily related to business written by legacy Third Point Reinsurance Ltd., is the result of the COVID-19 reserve study performed concurrently with the settlement of the Series A Preference shares in the third quarter of 2024. [2] An effective tax rate of 15% for 2022 to 2024 and 19% for 2025 is applied to the adjustments to calculate the income tax (expense) benefit, where applicable. Periods may have a different effective tax rate based on the jurisdiction of specific transactions. APPENDIX 1

30 RECONCILIATION OF OPERATING EARNINGS PER SHARE Q4 25 Q3 25 Q2 25 Q1 25 Q4 24 Q3 24 Q2 24 Q1 24 Q4 23 Q3 23 Q2 23 Q1 23 Q4 22 Diluted earnings per share available to SiriusPoint common shareholders $ 1.97 $ 0.73 $ 0.50 $ 0.49 $ (0.13) $ 0.03 $ 0.57 $ 0.49 $ 0.50 $ 0.32 $ 0.31 $ 0.74 $ (0.17) Non-recurring adjustments: Gains on sale or deconsolidation of consolidated MGAs (1.83) — — — — — (0.54) — — — — — — (Gains) losses on strategic and other investments 0.05 (0.01) — — 0.21 0.02 0.30 — 0.09 0.10 0.02 0.02 0.16 MGA & Strategic Investment Rationalization (1.78) (0.01) — — 0.21 0.02 (0.24) — 0.09 0.10 0.02 0.02 0.16 (Income) loss on settlement and change in fair value of liability-classified capital instruments (CMIG Merger Instruments) — — — — 0.16 0.68 (0.06) 0.09 0.09 — 0.11 0.15 0.07 COVID-19 favorable reserve development1 — — — — — (0.12) — — — — — — — CMIG Instruments & Transactions — — — — 0.16 0.56 (0.06) 0.09 0.09 — 0.11 0.15 0.07 (Income) expense related to loss portfolio transfers 0.06 0.06 0.06 0.05 0.18 0.01 0.03 0.05 0.01 0.03 (0.04) (0.62) — Bermuda corporate income tax enactment (0.11) — — — — — — — (0.58) — — — — Restructuring costs — — — — — — — — — — — — 0.19 Foreign exchange (gains) losses 0.07 0.02 0.14 (0.02) (0.08) 0.02 0.02 (0.02) 0.11 (0.01) 0.10 — 0.38 Other non-recurring items 0.05 (0.09) — — — — — — — — — — — Income tax (expense) benefit on adjustments2 0.44 — (0.04) (0.01) (0.07) (0.09) (0.04) (0.02) (0.04) (0.02) (0.03) 0.07 (0.09) Effect of above adjustments allocated to participating shareholders — — — — — (0.02) 0.02 (0.01) 0.02 (0.01) (0.01) 0.03 — Operating diluted earnings per share available to SiriusPoint common shareholders $ 0.70 $ 0.72 $ 0.66 $ 0.52 $ 0.27 $ 0.53 $ 0.30 $ 0.58 $ 0.20 $ 0.41 $ 0.47 $ 0.40 $ 0.54 Notes: Metric referenced on slides 6, 18 and 19. [1] This development, primarily related to business written by legacy Third Point Reinsurance Ltd., is the result of the COVID-19 reserve study performed concurrently with the settlement of the Series A Preference shares in the third quarter of 2024. [2] An effective tax rate of 15% for 2022 to 2024 and 19% for 2025 is applied to the adjustments to calculate the income tax (expense) benefit, where applicable. Periods may have a different effective tax rate based on the jurisdiction of specific transactions. APPENDIX 2

31 RECONCILIATION OF OPERATING RETURN ON EQUITY FY 25 FY 24 Net income available to SiriusPoint common shareholders $ 443.6 $ 183.9 Non-recurring adjustments: Gains on sale or deconsolidation of consolidated MGAs (222.4) (96.0) (Gains) losses on strategic and other investments 5.4 90.5 MGA & Strategic Investment Rationalization (217.0) (5.5) Losses on settlement and change in fair value of liability-classified capital instruments (CMIG Merger Instruments) — 148.5 COVID-19 favorable reserve development1 — (19.9) CMIG Instruments & Transactions — 128.6 (Income) expense related to loss portfolio transfers 27.4 44.6 Foreign exchange (gains) losses 25.2 (10.0) Other non-recurring items (4.5) — Income tax expense on adjustments 2 48.3 (38.1) Operating net income available to SiriusPoint common shareholders $ 310.0 $ 303.5 Operating net income per diluted common share $ 2.55 $ 1.71 Common shareholders’ equity attributable to SiriusPoint common shareholders - beginning of period $ 1,737.4 $ 2,313.9 Less: Accumulated other comprehensive (income) loss, net of tax 4.1 (3.1) Common shareholders’ equity attributable to SiriusPoint common shareholders ex AOCI - beginning of period 1,741.5 2,310.8 Common shareholders’ equity attributable to SiriusPoint common shareholders - end of period 2,269.8 1,737.4 Impact of adjustments from above (133.6) 119.6 Less: Accumulated other comprehensive (income) loss, net of tax (61.9) 4.1 Common shareholders’ equity attributable to SiriusPoint common shareholders ex AOCI - end of period 2,074.3 1,861.1 Average common shareholders’ equity attributable to SiriusPoint common shareholders ex AOCI $ 1,907.9 $ 2,086.0 Return on average common shareholders’ equity attributable to SiriusPoint common shareholders 22.1 % 9.1 % Operating return on average common shareholders’ equity attributable to SiriusPoint common shareholders ex AOCI 16.2 % 14.6 % Notes: Metric referenced on slides 6 and 8. [1] This development, primarily related to business written by legacy Third Point Reinsurance Ltd., is the result of the COVID-19 reserve study performed concurrently with the settlement of the Series A Preference shares in the third quarter of 2024. [2] For the twelve months ended December 31, 2025 and 2024, an effective tax rate of 19% and 15%, respectively, is applied to the adjustments to calculate the income tax expense. Adjustments may have a different effective tax rate based on the jurisdiction of specific transactions. APPENDIX 3

$262m $204m $105m $102m Held Value <$5m Held Value $5-$10m Held Value $10-$20m Held Value >$20m Q4'22 Q4'23 Q4'24 Q4'25 32 STRATEGIC MGA INVESTMENTS Latest Rationalization Updates 2026e Net Service Fee Income >$30m Q4'25 Consolidated MGA Book Value $80m Non-Consolidated MGA Investments $ numbers in USD millions Core (Go-Forward) Q4'25 Change Service Revenue $43 13% Net Services Fee Income $4 45% Service Margin 9.1% +2.1 ppts APPENDIX 4 Notes: [1] Based on Last Twelve Months Adjusted Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA). 100% Equity Stake COMPLETED Q4'25 49% Equity Stake COMPLETED Q1'26 • Sale of 100% equity stake in consolidated MGA Armada for $250m completed in Q4'25 • Upon closing, SiriusPoint recognized a $222m pre-tax gain • Deal represents a 14x EBITDA multiple1 • Capacity extension agreed until the end of 2030 on existing economic terms, reiterating strategy of partnering with high-quality MGAs without need to take an equity stake • Sale of 49% equity stake in Arcadian for $140m total consideration completed in Q1'26 • Upon closing, SiriusPoint recognized a $25m pre- and post- tax gain which will appear in Q1'26 financials ◦ This gain is on top of the $96m gain recognized in Q2'24 when Arcadian was deconsolidated • Capacity extension agreed until the end of 2031 on existing economic terms Consolidated MGA Investments

33 ABBREVIATION GLOSSARY APPENDIX 5 Abbreviation Definition Abbreviation Definition A&H Accident & Health MBS Mortgage Backed Security ABS Asset Backed Security MGA Managing General Agent Acq Acquisition NEP Net Earned Premium AOCI Accumulated Other Comprehensive Income NII Net Investment Income BVPS Book Value Per Share NWP Net Written Premium BSCR Bermuda Solvency Capital Ratio OUE Other Underwriting Expense CLO Collateralized Loan Obligation P&C Property & Casualty COR Combined Ratio PPT Point EBITDA Earnings Before Interest, Taxes, Depreciation, and Amortization Pref Series B Preference Shares EPS Earnings Per Share PYD Prior Year Development FSR Financial Strength Rating ROE Return on Equity FY Full Year SME Small and Medium Enterprise GAAP Generally Accepted Accounting Principles STI Short-term Investment GWP Gross Written Premium TPE Third Point Enhanced Fund HoldCo Holding Company TSR Total Shareholder Return IG Investment Grade UW Underwriting IMG International Medical Group XL Excess of Loss LPT Loss Portfolio Transfer YoY Year over Year

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