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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.
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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.

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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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