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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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AXA (CSP) investor relations material
AXA Bank of America 30th Annual Financials CEO Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Bank of America 30th Annual Financials CEO Conference 2025 summary16 Sep, 2025
Business performance and strategic progress
Achieved 7% organic growth and 8% underlying EPS growth at mid-2025, supported by a 220% solvency ratio.
All business lines and geographies contributed to strong top-line growth and margin improvements.
Margin improvements in Property & Casualty (P&C) focused on the UK and Germany, now shifting to health and life & savings segments.
Net flows in life and savings turned positive, driven by a shift from guaranteed products to protection and retirement solutions.
Significant investments made in data, AI, and distribution expansion, including the acquisition of Prima.
Commercial and retail business dynamics
Commercial P&C is two-thirds of the portfolio, with half in stable European markets and the rest in diversified AXA XL lines.
Cycle management is disciplined; growth continues only where price increases outpace claims inflation, with pullbacks in unprofitable segments.
European commercial lines are less cyclical due to high entry barriers and market consolidation.
Retail business turnaround in the UK and Germany is complete, with all countries now delivering net new contracts.
Market trends and competitive positioning
Industry discipline is higher due to increased complexity, regulatory changes (IFRS 17, Solvency II), and required investments in technology.
Mutual companies' limited access to capital has reduced market volatility and cycles.
Prima’s success is attributed to a low-cost MGA model, risk-based pricing, and providing agents with solutions for non-competitive segments.
Prima will remain a distinct entity, enabling direct business growth and leveraging group infrastructure for expansion.
Prima's unique model: How to replicate?
Personal lines: Is a harder market sustainable?
Life & Savings: What's the next growth chapter?
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Next AXA earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
One of the largest European insurers
AXA is one of the largest European insurers, the number one global commercial lines insurer, and an international leader in health and employee benefits.
The company was founded as Mutuelle de L'assurance contre L'incendie in Normandy in 1816, over 200 years ago, as a small mutual insurance company. Since then, the company has gone through several big mergers and name changes, adding millions of customers to its account. The name AXA was adopted in 1985.
The four main business segments
With its employee base of over 150,000, operations in 50 countries, and about 95 million clients, AXA operates four main business segments. Here, listed in the order of magnitude.
Property and Casual: With clients pay premiums to ensure coverage in an eventual insured loss (accident, theft, fire, etc.).
Life and Savings: Two main areas: savings and retirement, are where the money entrusted to AXA is invested and managed. And the personal protection and health line: covers life accidents for individuals or companies for their employees.
Health: Getting you the expert healthcare you need.
Asset Management: To obtain the best possible return on the assets of the group’s insurance companies and their clients, based on the risk profile and investment timeframe.
A company in transformation
AXA has transformed in recent years, simplifying their geographic and operational split, shifting the group's profile towards more technical risks, and improving UX through digitalization. Some of AXA’s main competitors are Allianz, Sun Life, and Cigna Corporation.
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