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Assicurazioni Generali (G) investor relations material
Assicurazioni Generali Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Operating result rose 8.7% to €4.05bn, driven by P&C, Life, and Asset Management, with strong P&C pricing and robust Life net inflows, especially in protection, health, and hybrid unit-linked products.
Net result increased 4.9% to €2.15bn; adjusted net result up 10.4% to €2.24bn; adjusted EPS up 12.5% to €1.47.
Gross written premiums reached €50.5bn (+0.9%), with P&C up 7.6% and Life net inflows up 25.2%.
Solvency II ratio improved to 212%, reflecting strong capital generation and share buyback inclusion.
€500mn share buyback announced for 2H 2025, with dividend of €1.43 per share distributed.
Financial highlights
Operating result: €4,049mn (+8.7% yoy); adjusted net result: €2,237mn (+10.4% yoy); net result: €2,152mn (+4.9% yoy).
Adjusted EPS: €1.47 (+12.5% yoy); shareholders’ equity: €29.7bn (-2.2% vs FY24); total AUM: €854bn (-1.0%).
Life net inflows: €6.3bn (+25.2%); new business margin: 5.12% (+0.15 p.p. yoy).
P&C combined ratio improved to 91.0% (-1.4 p.p. yoy); operating result up 18.4% to €2,046mn.
Asset & Wealth Management operating result: €560mn (-1.1%); Asset Management up 11.7%, Banca Generali down 11.6%.
Outlook and guidance
Strategic plan targets 8–10% EPS CAGR, >€11bn cumulative net holding cash flow, and >10% DPS CAGR for 2025–2027.
Focus on profitable growth in Life, technical excellence in P&C, and expansion in Asset & Wealth Management.
At least €1.5bn share buyback and over €7bn in cumulative dividends planned for 2025–2027.
CSM release ratio guidance for FY 2025 at 8–10%; normalized CSM growth expected at 4%.
Combined ratio improvement expected to be driven by pricing in the near term, with expense ratio and business mix initiatives contributing in later years.
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