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Horse profile

Underwriter (FR)

3yo gelding · Trainer Michael Keady · Owner Apollo Horses V
by Mehmas (IRE) out of Zaur's Heart (GB) (No Nay Never)
13 runs · 8 courses · from May 2025
As at 18 Oct 2026 · KTB archive: GB, Ireland & France · 2005–present, updated daily
2 wins · Ayr Ran 24 days ago · 9th of 15 Last raced off OR 78
KTB Profile

Underwriter is a gelding who has won two of 13 starts on turf, both at Ayr over 6f – 7f on good or good to firm going. He won a Class 4 maiden at Ayr in May 2025 and followed up in a Class 5 novice stakes at the same track in Jul 2025 off an official rating of 87. He has not won since Jul 2025 and finished 9 of 15 at Goodwood in Sep 2026 when last raced off OR 78, 14lb below his highest ever mark of 92. He is by Mehmas out of a No Nay Never mare.

Based on 13 archived runs · run-style from 5 commented runs · updated 18 Oct 2026
KTB at a glance OR ↓ 14lb off peak
Official rating78↓ 14lb off peak
78 78–92

KTB Speed and Rating

KTB Speed

Best recent Speed 111 the best of the last 3 graded (A or B) runs · Ascot, 5 Sep 2026

How fast the horse ran, as points against the day-corrected standard time for its course and distance: 100 is the median GB Class 4 handicap winner on that code; one point is 0.1% of the standard time. A, B or C is how much the day's card could tell us, not how good the run was. What this means →

Flat 12 figures · best 111A · median 89
GoingRunsBestMedianSince 18 Oct 2025
Good699A88.54 · 99 / 82
Good to Firm5111A973 · 111 / 109
Good to Soft1——1 · —
DistanceRunsBestMedianSince 18 Oct 2025
6f – 7f797A883 · 89 / 82
Under 6f5111A995 · 111 / 99

KTB Speed v1 · batch 15 Sep 2026 · GB & Irish racing only · 12 figures from 12 runs · as at 3 Oct 2026 · a record, not a forecast

KTB Rating

Best recent KTB Rating 84A the best of the last 3 rated runs · Yarmouth, 16 Sep 2026 Official rating 78 at the last run, 23 Sep 2026

What the horse achieved in each race, in pounds on the official-rating scale, from the weight carried, the lengths beaten and the race's own level solved across the archive — never the market, never the official rating as a starting point. The headline is the best of the horse's last three rated runs on that code. A, B or C on a run is how much known form was in that race. What this means →

Flat 12 figures · best 98B · median 71.5
GoingRunsBestMedianSince 18 Oct 2025
Good698B69.54 · 79 / 69.5
Good to Firm593A733 · 83 / 73
Good to Soft1——1 · —
DistanceRunsBestMedianSince 18 Oct 2025
6f – 7f798B793 · 84 / 79
Under 6f583A705 · 83 / 70

KTB Rating v1 · batch 3 Oct 2026 · GB & Irish racing only · 12 figures from 12 runs · as at 4 Oct 2026 · a record, not a forecast

Both figures are KTB's own, computed from the archive; no vendor rating enters either. Every run's figure is on its form line below with its grade. Grades measure how much the archive could see, never the merit of the run.

Run style from 5 analysed runs

  • Held up 2 (40%) · 0 wins
  • Midfield 1 (20%) · 0 wins
  • Led 1 (20%) · 1 win
  • Prominent 1 (20%) · 1 win

Pedigree intelligence

Sire
Mehmas (IRE)

Progeny in our archive have won 11.6% of 8,086 runs since Jan 2008 (746 horses).

GoingRunsWinsSRvs sireThis horse
Firm19210.5%−1.1—
Good to Firm1,45717912.3%+0.71 from 5
Good1,95722111.3%−0.31 from 6
Good to Soft7498411.2%−0.40 from 1
Soft9129610.5%−1.10 from 1
Heavy2082210.6%−1—
Standard (AW)2,78433712.1%+0.5—
Distance (all codes)RunsWinsSRvs sireThis horse
Under 6f2,08526712.8%+1.20 from 5
6f – 7f4,25047511.2%−0.42 from 8
1m – 1m1f1,35315611.5%−0.1—
1m2f – 1m4f3614211.6%0—
1m5f – 2m3013.3%−8.3—
2m1f – 2m4f600%−11.6—
Over 3m100%−11.6—

Flat and jumps together (all codes) · since Jan 2008 · as at 18 Oct 2026 · rows under 30 runs muted · win % is the measure, a record not a forecast

Dam
Zaur's Heart (GB) (No Nay Never)

1 sibling in the archive, 0 winners.

Family form: Kodiacolor (FR) finished 3rd of 9 at Lyon Parilly (FR), 6 Oct 2026.

ProduceRunsWinsWin tripsBest grade
Kodiacolor (FR)100——

Record by conditions

GoingRunsWinsSR£1
Good 6 1 17% −3.25
Good to Firm 5 1 20% −2.90
Good to Soft 1 0 0% −1.00
Soft 1 0 0% −1.00

ClassRunsWinsSR£1
Class 2 5 0 0% −5.00
Class 4 3 1 33% −0.90
Class 1 2 0 0% −2.00
Class 3 1 0 0% −1.00
Class 5 1 1 100% +1.75

CourseRunsWinsSR£1
Ascot 3 0 0% −3.00
Goodwood 2 0 0% −2.00
York 2 0 0% −2.00
Ayr 2 2 100% +2.85
Yarmouth 1 0 0% −1.00
Newmarket 1 0 0% −1.00
Sandown 1 0 0% −1.00
Deauville (FR) 1 0 0% −1.00

DistanceRunsWinsSR£1
6f – 7f 8 2 25% −3.15
Under 6f 5 0 0% −5.00

JockeyRunsWinsSR£1
James Doyle 4 2 50% +0.85
Jack Doughty 2 0 0% −2.00
Hector Crouch 1 0 0% −1.00
Darragh Keenan 1 0 0% −1.00
Luke Morris 1 0 0% −1.00
Kyle McHugh 1 0 0% −1.00
Cieren Fallon 1 0 0% −1.00
Jamie Spencer 1 0 0% −1.00
James McDonald 1 0 0% −1.00

HeadgearRunsWinsSR£1
None 11 2 18% −6.15
Cheekpieces 2 0 0% −2.00

SeasonRunsWinsSR£1
2026 8 0 0% −8.00
2025 5 2 40% −0.15

Splits include every sample, however small — muted rows are under 3 runs. A one-from-one record is a fact, not a trend: read the Runs column before the strike rate.

Form

DateCourseRace PosBtn Wgt ORSpdKTB Jockey SP
23 Sep 26+7d Goodwood Virgin Bet A Good Bet Handicap Stakes Class 4 · 6f · Good · 15 ran Bumped and knocked off stride early - settled near the back - shaped forward approaching the final furlong - short of room inside the last 110 yards but finished with purpose 9/15 ¾ 9-10 7889C79A Hector Crouch 14/1
16 Sep 26+11d Yarmouth Sea Deer Handicap Stakes Class 4 · 6f · Good To Soft · 12 ran Held up towards the back - improving into traffic 1f out - eased left into the final furlong - driven late to finish 6th beaten a length and a quarter 6/12 ½ 9-10 7882A84A Darragh Keenan 14/1
05 Sep 26+17d Ascot Tote.co.uk For Racing & Sports Betting Handicap Stakes Class 2 · 5f · Good To Firm · 12 ran Settled at back of field - pushed along with 1f left - made no impact - finished 11th beaten 4¾ lengths 11/12 shd 8-8 82111A73A Jack Doughty 28/1
19 Aug 26+25d York Irish Thoroughbred Marketing Handicap Stakes (Heritage Handicap) Class 2 · 5f · Good · 19 ran Held up towards the back - pushed along and lost touch 3f out - no chance to figure in the finish - eventually well held in 14th 14/19 2¼ 8-5 8475C70A Luke Morris 18/1
25 Jul 26+15d Ascot Whispering Angel Handicap Stakes Class 2 · 5f · Good To Firm · 13 ran Slow to begin - settled towards the back out wide before being asked for effort with two furlongs left and having to wait for room - angled left approaching the final furlong and finished well without getting on terms 4/13 hd 8-6 84109C83A Jack Doughty 100/1
10 Jul 26+27d Newmarket Debenhams Handicap Class 3 · 5f · Good To Firm · 12 ran settled at the back - lost ground for pace two furlongs out - made no impact 11/12 nk 8-11 8789A65A Kyle McHugh 100/1
13 Jun 26+50d York Churchill Tyres Supporting Macmillan Sprint Handicap Class 2 · 6f · Good · 22 ran mid-pack early - pressed for effort with 2f left - unable to respond - well beaten in 20th 20/22 nk 8-10 9066C57C Cieren Fallon 80/1
24 Apr 26+253d Sandown bet365 Handicap Class 2 · 5f · Good · 9 ran Sluggish start - never a factor - trailed home well beaten 8/9 ¾ 9-9 9199A69A Jamie Spencer 10/1
14 Aug 25+14d Deauville (FR) Arqana Series - Criterium d'Ete (Conditions) (2yo) (Straight Course) (Turf) 6.5f · Soft · 14 ran 9/14 nk 9-1 ——— James Doyle 26/5
31 Jul 25+17d Goodwood Markel Richmond Stakes (Group 2) Class 1 · 6f · Good · 9 ran Held clear spot in midfield cluster early - lost command approaching final furlong - dropped away late to finish eighth 8/9 4¼ 9-2 9296A64A James Doyle 22/1
14 Jul 25+27d Ayr Irish EBF Try Racing TV For Free Now Novice Stakes (GBB Race) Class 5 · 6f · Good · 5 ran Set the pace from the start - clear of rivals through the middle stages - asked for effort and drew clear over a furlong out - kept up the pace to the line for a comfortable win 1/5 9-11 8788C98B James Doyle 7/4F
17 Jun 25+27d Ascot Coventry Stakes (Group 2) Class 1 · 6f · Good To Firm · 20 ran Held a forward spot near the far rail early - pushed along with 2f left - dropped away soon after - finished last of the field 20/20 2½ 9-3 —33C65C James McDonald 20/1
21 May 25 Ayr Racing TV Profits Returned To Racing Maiden Stakes (GBB Race) Class 4 · 6f · Good To Firm · 7 ran Sat second early - went ahead with two furlongs left - shaken up to open daylight and won comfortably 1/7 9-7 —97A93A James Doyle 11/10F

Quick answers

How many races has Underwriter (FR) won?
Underwriter (FR) won 2 of 13 archived starts between 2025 and 2026, a strike rate of 15.4%. Placed 2 times in total (15.4% of starts).
Who trains Underwriter (FR)?
Underwriter (FR) is trained by Michael Keady, who saddled the horse on its most recent run on 23 September 2026.
Who is Underwriter (FR)'s sire?
Underwriter (FR) is by Mehmas (IRE) out of Zaur's Heart (GB), whose sire is No Nay Never.
What going does Underwriter (FR) prefer?
Underwriter (FR) has the best record on good to firm going: 1 win from 5 starts (20%). Only going bands with at least three archived starts are read, so this is a direction rather than a settled preference.
What is Underwriter (FR)'s official rating?
The most recent official rating on record is 78, from the run on 23 September 2026. The highest on record is 92.
What is Underwriter (FR)'s sire's record?
Mehmas (IRE)'s progeny in our archive have won 11.6% of 8,086 runs since Jan 2008 (746 horses), Flat and jumps together.
Who are Underwriter (FR)'s siblings?
Out of Zaur's Heart (GB), Underwriter (FR) has 1 other produce in our archive, 0 of them winners. As at Oct 2026.

Record shown from May 2025. Our archive holds racing in Great Britain, Ireland and France from January 2005. Runs in other countries are not in it, and earlier runs are not available from our data provider. In-running comments are available from 2024 onward.