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ageas
ageas (AGS) investor relations material
ageas H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Feb, 2026
Executive summary
Achieved strong growth in 2025, with inflows up 9% to EUR 19.6 billion and net operating result up 33% to EUR 1.65 billion, driven by robust Life and Non-Life performance and a EUR 300 million one-off tax benefit in China, with EPS at EUR 8.80.
Completed first year of Elevate27 strategy with transformational achievements, including Saga and Esure acquisitions, making the group the 3rd largest personal lines insurer in the UK and reinforcing Belgian market leadership.
Raised financial targets twice during the year, reflecting strong operational momentum and strategic progress.
Advanced sustainability agenda, achieving top quartile ESG ratings with three of five agencies and 34% of GWP from sustainable products.
Proposed a gross dividend of EUR 3.75 per share, up over 7% year-over-year, supported by increased cash upstream from business units.
Financial highlights
Inflows rose 9% year-over-year to EUR 19.6 billion, with Life up 6% and Non-Life up 16% at constant FX, reflecting robust commercial execution and strategic product shifts.
Net operating result increased 33% to EUR 1.65 billion, including a EUR 300 million one-off deferred tax benefit in China.
Non-Life combined ratio improved to 92.5%, and Non-Life net operating result grew 21% to EUR 548 million.
Recurring cash upstream reached EUR 949 million, up 18% year-over-year and above guidance, with cash position at EUR 1.45 billion.
Comprehensive equity reached EUR 17.5 billion, with return on equity at 19.3%.
Outlook and guidance
Net operating result for 2026 expected above EUR 1.5 billion, barring exceptional adverse weather or volatile markets.
Cash upstream projected to reach EUR 1.2 billion in 2026.
Upgraded holding free cash flow target to over EUR 2.6 billion and shareholder remuneration to over EUR 2.2 billion by 2027.
Combined ratio guidance below 93% for 2026, assuming normal Cat Nat events.
Committed to 6–8% average EPS growth throughout the Elevate27 cycle.
Impact of AG ownership on Ageas's strategy?
What is the underlying NOR growth ex-China tax benefit?
Quantify Data & AI benefits across key markets
China Life tax rate evolution beyond 5%?
Reinsurance profit sustainability & capital needs?
UK Non-Life profitability & esure integration?
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Next ageas earnings date
H1 202626 Aug, 2026
ageas
Next ageas earnings date
H1 202626 Aug, 2026
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Frequently asked questions
Ageas SA/NV is a multinational insurance group with a strong presence in Europe and Asia, engaging in the provision of a wide range of insurance services. The company operates across several segments, including Belgium, Europe, Asia, Reinsurance, and General Account, primarily offering property, casualty, life insurance products, and pension products. Its life insurance portfolio covers risks related to life and death, while its non-life insurance offerings encompass accident and health, motor, fire, and other damages to property. Ageas focuses on serving private individuals as well as small, medium-sized, and large companies, distributing its products through independent brokers and bank channels. The company is headquartered in Brussels, Belgium, and its shares are listed on the Brussels Stock Exchange.
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