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Allianz (ALV) investor relations material
Allianz Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved record operating profit and shareholders' core net income for both 3Q and 9M 2025, with double-digit growth across all segments and OP at 82% of FY outlook midpoint.
Year-to-date business volume growth at 8.5%, diversified across segments and geographies.
Core EPS increased 12.2% to EUR 21.43, and core RoE improved by 1.6% to 18.5%.
EUR 2bn share buy-back completed in September 2025, representing 1.5% of issued capital.
Upgraded full-year operating profit outlook to at least EUR 17 billion, likely in the EUR 17–17.5bn range.
Financial highlights
9M 2025 total business volume reached EUR 141.2bn (+8.5% year-over-year).
Operating profit for 9M 2025 was EUR 13,077mn (+10.4% year-over-year); 3Q 2025 operating profit: €4,433m (+12.6% YoY).
Shareholders' core net income for 9M 2025 was EUR 8,382mn (+10.5% year-over-year).
Solvency II ratio at 209%, reflecting strong capital generation.
Core EPS: €21.43 in 9M (+12.2% YoY).
Outlook and guidance
Full-year 2025 operating profit expected at least at the upper end of the EUR 16.0bn (+/- EUR 1bn) target range, likely between EUR 17-17.5bn barring major events.
OCG (operating capital generation) for the year expected at 21-22 percentage points.
No intention to revise the 7%-9% EPS CAGR target.
Redemption of subordinated debt in 4Q 2025 will lower SII ratio by -1%p.
Quantify nat cat impact on P&C loss ratio
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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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