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Allianz
Allianz (ALV) investor relations material
Allianz Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Achieved record financial results in 2025, with total business volume up 8.1% to €186.9bn and operating profit up 8.4% to €17.4bn, exceeding targets set at the 2024 Capital Markets Day.
Shareholders' core net income rose 10.9% to €11.1bn, and core EPS increased 12.5% to €28.61.
Solvency II ratio improved to 218%, the highest in over five years, reflecting strong capital generation and prudent risk management.
Announced €2.5bn share buyback due to strong liquidity and capital generation, with €2bn completed in 2025 and an additional €2.5bn planned for 2026.
All business segments—P&C, Life & Health, and Asset Management—contributed to growth, supported by investments in technology, AI, and customer experience.
Financial highlights
Total business volume reached €186.9bn (+8.1% year-over-year), with all segments contributing.
Operating profit hit a record €17.4bn, up 8.4%, exceeding the high end of guidance.
Shareholders' core net income increased by €1.1bn (+10.9%) to €11.1bn; core EPS grew 12.5% to €28.61.
Core return on equity (ROE) was 18.1%, above the 17% target.
Net cash remittance for 2025 was €8.6bn, with an 89% remittance ratio.
Outlook and guidance
2026 operating profit outlook set at €17.4bn ± €1bn, representing 9% growth over the 2025 midpoint.
Dividend per share proposed at €17.10, up 11% from 2024.
Share buyback program of up to €2.5bn announced for 2026.
P&C business volume expected to grow ~6% with combined ratio in the 92–93% range.
IFRS gain from Bajaj JV sale to be neutralized in 2026, with proceeds reinvested in productivity and higher-yielding assets.
What factors influence the 2026 operating profit target range?
Mitigate Asset Management FX translation effects
Explain 4Q P&C retail vs commercial combined ratio
Bajaj IFRS gain deployment strategy for 2026
AI's role in enterprise productivity initiatives
Plan for 2025-27 minimum 15% capital return
GenAI impact on IT productivity and legacy costs
Strategy to address rising product affordability
Managing liquidity risk in US Life portfolios
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Next Allianz earnings date
Q1 202613 May, 2026
Allianz
Next Allianz earnings date
Q1 202613 May, 2026
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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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