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Administradora de Fondos de Pensiones Habitat (HABITAT) investor relations material
Administradora de Fondos de Pensiones Habitat Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Nov, 2025
Executive summary
Net profit for January–September 2025 reached CLP 134,249 million, up 13.8% year-over-year, driven by higher returns on pension fund reserves and increased commission income from mandatory contributions.
Ordinary/operating revenues rose 5.0% year-over-year to CLP 196,497 million, mainly from higher fees on mandatory savings, APV, CAV, and pensions.
Market share in total assets under management reached 27.0%, maintaining industry leadership.
Operating expenses increased, mainly due to higher employee and administrative costs.
Maintained leadership in profitability and managed assets.
Financial highlights
Total assets under management grew 11.9% year-over-year to CLP 57,580,706 million.
EBITDA increased 12.1% to CLP 194,776 million; EBITDAR remained stable.
Obligatory reserve profitability surged 43.1% to CLP 69,706 million.
Average base/taxable salary for contributors increased 7.8% year-over-year to CLP 1,587,273.
Market cap rose 50.4% to $1.93 billion USD as of September 2025.
Outlook and guidance
Maintained leading market share in AUM and contributors, positioning for continued growth.
Positive returns expected across all multi-funds, with riskier funds benefiting from global equity rebounds and conservative funds supported by fixed income.
Continued focus on digital innovation and social initiatives for older adults.
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Next Administradora de Fondos de Pensiones Habitat earnings date
Q4 20253 Mar, 2026
Next Administradora de Fondos de Pensiones Habitat earnings date
Q4 20253 Mar, 2026
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Frequently asked questions
Administradora de Fondos de Pensiones Habitat S.A. is a Chile-based company that operates as a pension fund administrator, managing retirement savings for individuals. The company provides pension fund management services, including investment of contributions, fund portfolio management, and advisory services to help clients plan and maximize retirement benefits. AFP Habitat invests in a diversified range of assets to optimize returns for pension fund members while managing risk. It serves clients primarily in Chile and also has operations in other Latin American countries. The company is headquartered in Santiago, Chile, and its shares are listed on the Santiago Stock Exchange.
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