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Alm. Brand (ALMB) investor relations material
Alm. Brand Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Achieved strong organic growth and cost control in Q3 2025, with significant improvement in underlying loss ratio and synergies supporting the path to 2025 financial targets.
Third quarter 2025 delivered strong results, prompting an upward revision of full-year pre-tax profit guidance excluding special costs by DKK 150 million.
Sale of Energy and Marine activities to Gard completed in March 2025; report focuses on continuing operations.
Financial highlights
Insurance revenue reached DKK 3 billion for the first time, growing 7.5% year-over-year in Q3 2025.
Technical/insurance service result increased to DKK 535 million from DKK 400 million in Q3 last year.
Combined ratio improved to 82.2% from 85.7% year-over-year; expense ratio declined to 15.8.
Investment income was DKK 66 million, mainly from the fleet portfolio.
Net profit after tax from continuing operations in Q3 2025: DKK 327 million (Q3 2024: DKK 270 million).
Outlook and guidance
Upgraded 2025 insurance service result guidance by DKK 100 million to DKK 1.75–1.85 billion.
Combined ratio (excluding runoff in Q4) expected at 84.5%–85.5% for 2025.
Investment result guidance for 2025 raised by DKK 50 million to DKK 300 million.
Group profit before tax (excluding special costs and Q4 runoff) expected at DKK 1.93–2.03 billion.
Special costs for Codan integration and business separation expected at DKK 175 million; intangible amortization at DKK 335 million.
Explain capital strategy post-PIM approval
What drove underlying claims improvement in Q3?
Why adjust large/weather claims assumptions for 2025?
Post-synergy accounting impact on cost ratio?
Clarify PIM model's non-impact on service result.
When do you expect to reach 170% solvency ratio?
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Next Alm. Brand earnings date
CMD 202518 Nov, 2025
Next Alm. Brand earnings date
CMD 202518 Nov, 2025
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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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