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- Loss_ratio abstract "A loss ratio is a ratio of losses to gains, used normally in a financial context. It is the opposite of the gross profit ratio (commonly known as the gross profit margin).For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. For example, if an insurance company pays $60 in claims for every $100 in collected premiums, then its loss ratio is 60% with a profit ratio/gross margin of 40% or $40. Some portion of those 40 dollars must pay all operating costs (things such as overhead and payroll), and what is left is the net profit.Loss ratios for property and casualty insurance (e.g. motor car insurance), range typically from 40% to 60%. Such companies are collecting premiums more than the amount paid in claims. Conversely, insurers that consistently experience high loss ratios may be in bad financial health. They may not be collecting enough premium to pay claims, expenses, and still make a reasonable profit.The terms "permissible", "target", "balance point", or "expected" loss ratio are used interchangeably to refer to the loss ratio necessary to fulfill the insurer's profitability goal. This ratio is 1 minus the expense ratio, where the expenses consist of general and administrative expenses, commissions and advertising expenses, profit and contingencies, and various other expenses. Expenses associated with insurance payouts ("losses") are sometimes considered as part of the loss ratio. When calculating a rate change, the insurer will typically divide the incurred or actual experienced loss ratio (AER) by the permissible loss ratio.For banking, a loss ratio is the total amount of unrecoverable debt when compared to total outstanding debt. For example, if $100 was loaned, but only $90 was repaid, the bank has a loss ratio of 10%. These calculations are applied class-wide and used to determine financing fees for loans. If the average loss ratio on a class of loans is 2%, then the financing fees for loans of that class must be greater than 2% to recover the normal loss and return a profit.".
- Loss_ratio wikiPageID "18916264".
- Loss_ratio wikiPageLength "4026".
- Loss_ratio wikiPageOutDegree "12".
- Loss_ratio wikiPageRevisionID "672019170".
- Loss_ratio wikiPageWikiLink Al_Franken.
- Loss_ratio wikiPageWikiLink Category:Financial_ratios.
- Loss_ratio wikiPageWikiLink Category:Insurance.
- Loss_ratio wikiPageWikiLink Health_insurance.
- Loss_ratio wikiPageWikiLink Insurance.
- Loss_ratio wikiPageWikiLink Net_profit.
- Loss_ratio wikiPageWikiLink Overhead_(business).
- Loss_ratio wikiPageWikiLink Patient_Protection_and_Affordable_Care_Act.
- Loss_ratio wikiPageWikiLink Payroll.
- Loss_ratio wikiPageWikiLink Profit_margin.
- Loss_ratio wikiPageWikiLink Property_insurance.
- Loss_ratio wikiPageWikiLink Vehicle_insurance.
- Loss_ratio wikiPageWikiLinkText "Loss ratio".
- Loss_ratio wikiPageWikiLinkText "Medical Loss Ratio".
- Loss_ratio wikiPageWikiLinkText "loss ratio".
- Loss_ratio wikiPageWikiLinkText "medical loss ratio".
- Loss_ratio wikiPageWikiLinkText "spend at least 80–85% of premium dollars".
- Loss_ratio hasPhotoCollection Loss_ratio.
- Loss_ratio subject Category:Financial_ratios.
- Loss_ratio subject Category:Insurance.
- Loss_ratio hypernym Ratio.
- Loss_ratio type Aircraft.
- Loss_ratio type Ratio.
- Loss_ratio type Service.
- Loss_ratio comment "A loss ratio is a ratio of losses to gains, used normally in a financial context. It is the opposite of the gross profit ratio (commonly known as the gross profit margin).For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned.".
- Loss_ratio label "Loss ratio".
- Loss_ratio sameAs نرخ_خسارت.
- Loss_ratio sameAs Sinistralité.
- Loss_ratio sameAs טיוטה:יחס_החזר_התביעות.
- Loss_ratio sameAs m.04jf0jx.
- Loss_ratio sameAs Q3485004.
- Loss_ratio sameAs Q3485004.
- Loss_ratio wasDerivedFrom Loss_ratio?oldid=672019170.
- Loss_ratio isPrimaryTopicOf Loss_ratio.