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Allianz (ALV) investor relations material
Allianz Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Achieved strong internal growth of 10.1% in total business volume for H1 2025, with operating profit up 9.3% to €8.6bn and core net income rising 9.5% to €5.5bn; all segments and geographies contributed.
Core EPS increased to €13.99 (up 11.3%), core RoE improved to 18.5%, and Solvency II ratio remained robust at 209%.
Strategic actions included expanding the Sanlam JV in Africa, new partnerships in Australia and India, and the sale of UniCredit Allianz Vita S.p.A.
Maintained strong capital position and credit ratings, with significant capital generation and ongoing share buy-back program.
Shareholders' equity decreased by €3.1bn to €57.2bn, mainly due to dividend payout, share buy-back, and FX effects.
Financial highlights
Total business volume for H1 2025 was €98.5bn (up 10.1% year-over-year); operating profit €8.6bn (up 9.3%); core net income €5.5bn (up 9.5%).
2Q 2025 operating profit reached €4.4bn (up 12.2% year-over-year); core net income €3.0bn (up 17.3%).
Core EPS for H1 2025 was €13.99 (up 11.3%); core RoE at 18.5%.
Dividend payout of €5.9bn and share buy-back of €1.0bn completed in H1 2025.
Solvency II ratio stable at 209% as of June 30, 2025.
Outlook and guidance
Full-year 2025 operating profit guidance reiterated at €16bn ± €1bn; on track for 2025–27 targets.
Core EPS CAGR target of 7–9% for 2025–27; core RoE target of 17%+.
Medium-term goal to improve operating capital generation run rate to 24–25 percentage points by 2027.
Global growth forecast at 2.5% for 2025; U.S. growth expected to slow to 1.5%.
Asset management faces margin pressure but benefits from AI-driven efficiency and private markets expansion.
How did US tariff policy impact global economy?
Explain CSM growth decrease in Life/Health.
Detail PIMCO's contribution to AuM inflows.
How will AI impact customer service?
What's driving Allianz Partners' growth?
What's the outlook for P&C discounting?
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Q3 202514 Nov, 2025
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Frequently asked questions
Allianz SE operates as a property-casualty insurance, life/health insurance, and asset management company. The Company offers property and casualty products for auto, home, and other damage or liability risks; health insurance solutions; pensions, living annuity, long-term care products and asset management services. The company is headquartered in Munich, Germany.
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