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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.
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Q2 2025 earnings summary6 Aug, 2025

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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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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