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Alm. Brand (ALMB) investor relations material
Alm. Brand Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary16 Jul, 2025
Executive summary
Q2 2025 saw strong financial performance, with insurance revenue up 8.3% year-over-year and significant profitability improvements driven by synergies, cost control, and effective pricing.
Personal Lines insurance revenue grew 11%, reflecting market share gains, pricing, and indexation; Commercial Lines also rebounded with improved claims experience.
Adjusted EBITDA and combined ratios improved, supported by cost discipline and synergy realization.
Investment income reached DKK 102 million in Q2, contributing positively to results.
Consolidated pre-tax profit for Q2 2025 was DKK 457 million, up from DKK 185 million in Q2 2024.
Financial highlights
Q2 2025 insurance revenue: DKK 2,950 million (up 8.3% year-over-year); H1 2025: DKK 5,808 million (up 6.7%).
Combined ratio improved to 82.3 in Q2 2025 from 88.5 in Q2 2024; expense ratio fell to 16.7 from 18.0.
Profit after tax for Q2 2025: DKK 342 million (Q2 2024: DKK 35 million); H1 2025: DKK 689 million.
Insurance service result for Q2 2025: DKK 520 million; H1 2025: DKK 857 million.
Special costs of DKK 55 million in Q2 related to integration and synergy realization.
Outlook and guidance
2025 insurance service result guidance (excluding run-offs) raised to DKK 1.6–1.8 billion.
Combined ratio guidance improved to 84.5–86.5; expense ratio target remains ~17%.
Investment result for 2025 expected at DKK 250 million.
Consolidated pre-tax profit for 2025 (excluding special costs) expected at DKK 1.73–1.93 billion.
Synergy target of DKK 600 million reaffirmed for 2025.
How did motor-related claims develop?
What drove Commercial Lines growth?
What is the status of synergy initiatives?
Capital allocation post PIM approval?
Commercial Lines growth drivers beyond repricing?
When will market share growth tailwind cost ratio?
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Next Alm. Brand earnings date
Q3 202529 Oct, 2025
Next Alm. Brand earnings date
Q3 202529 Oct, 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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