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Alm. Brand
Alm. Brand (ALMB) investor relations material
Alm. Brand SEB Nordic Seminar presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.SEB Nordic Seminar presentation summary9 Jan, 2026
Strategic transformation and integration
Transitioned from a conglomerate to a pure-play non-life insurance company through divestments and the acquisition of Codan Denmark, achieving significant synergies and a harmonised platform.
Completed integration of Codan, meeting all synergy targets and establishing a strong foundation for future growth.
Divested non-core businesses, focusing on the Danish non-life insurance market.
2028 strategy and scale potential
Strategy targets unfolding scale potential by enhancing customer engagement, insurance capabilities, and operational efficiency.
Aims to increase insurance service result to DKK ~2,350m by 2028, up from DKK 1,850m in 2025.
Focus areas include customer retention, data-driven underwriting, AI in claims handling, and process excellence.
Launching a new loyalty programme in 2026, investing DKK 100m to benefit over 100,000 customers.
Financial targets and performance
2028 targets: combined ratio ~82%, expense ratio ~16%, and return on own funds ~40%.
Operating EPS CAGR targeted at ~10% for 2025-2028, supported by profit growth and share buybacks.
Solvency ratio target raised to 180% after capital optimisation and PIM implementation.
High payout capacity maintained, with payout ratio at or above 80% through 2028.
Detail STP increase to 50% by 2028
PIM's DKK 600m buyback impact on EPS growth
Loyalty program's expected impact on customer retention
Partial view of Summaries dataset, powered by Quartr API
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Next Alm. Brand earnings date
Q4 202529 Jan, 2026
Alm. Brand
Next Alm. Brand earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Alm. Brand A/S, provides non-life insurance, and life and pension insurance products and services. The company operates through Non-life Insurance, Life Assurance I.S., Life Assurance Pensionskasse Holding I.S., Pensionskassen for Team Danmark Medlemmer I.S., and Other International Activities segments. The company is also involved in underwriting risks; providing advisory, actuarial, consulting, risk management, legal and financing services; offering supplementary insurance solutions; engaging in reinsurance activities; developing own niche investment funds; operating international distribution channels with small sales volume products; developing international economic business solutions related to crop sharing arrangements in Danmark A/F; as well as providing online services comprising online system solutions, custom electronics solutions, embedded software solutions and service and support agreements.
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