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Assicurazioni Generali (G) investor relations material
Assicurazioni Generali Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Gross written premiums rose 3.7% year-over-year to €73.1 billion, led by strong P&C growth and robust Life net inflows of €10.4 billion, up 54.9%, driven by protection & health and hybrid & unit-linked products.
Operating result increased 10.1% to €5.9 billion, with all business segments contributing positively.
Adjusted net result grew 14.0% to €3.3 billion, and adjusted EPS rose 16.0%.
Solvency II Ratio improved to 214%, reflecting a solid capital position and including a €500 million share buyback.
New business margin in Life reached 5.74% in Q3, with over 73% of new production having no guarantees.
Financial highlights
Gross written premiums: €73.1 billion (+3.7% year-over-year).
Operating result: €5,941 million (+10.1%).
Adjusted net result: €3,283 million (+14.0%).
Adjusted EPS: €2.16 (+16.0%).
Shareholders’ equity: €30.7 billion (+1.0% from FY2024).
Outlook and guidance
Confident in exceeding key financial targets for 2025–2027, with a focus on technical excellence, digitalization, and dynamic calibration of prior year development to enhance earnings predictability.
Strategic plan targets 8–10% EPS CAGR, >€11 billion cumulative net holding cash flow, and >10% DPS CAGR for 2025–2027.
At least €1.5 billion share buyback planned over the plan horizon, with €500 million buyback for 2025 already launched.
Additional restructuring charges and possible real estate impairments anticipated in Q4, partially offset by a lower tax rate due to positive one-offs.
FY2024 solvency guidance at 210%, supported by strong capital generation.
How did benign Nat Cat enable balance sheet strengthening?
Outlook for Banca Generali's non-recurring fees?
What factors offset Solvency II ratio gains?
How much P&C combined ratio improvement per year?
Explain Spain internal model solvency impact reversal
Future M&A targets given capital generation
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Next Assicurazioni Generali earnings date
Q4 202512 Mar, 2026
Next Assicurazioni Generali earnings date
Q4 202512 Mar, 2026
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Frequently asked questions
Assicurazioni Generali S.p.A. provides insurance and financial products to individual and corporate clients. The company offers life, property and casualty, and health insurance, as well as asset management and retirement solutions. It operates through subsidiaries and joint ventures worldwide. The company is headquartered in Trieste, Italy, and its shares are listed on the BIT.
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