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AXA
AXA (CSP) investor relations material
AXA Q4 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 (Media) earnings summary26 Feb, 2026
Executive summary
Achieved record financial results in FY25, with revenues up 6% to €116 billion and strong growth across all business lines and geographies, driven by commercial momentum and strategic execution.
Underlying earnings rose 6% to €8.4 billion, and underlying EPS increased 8% to €3.86, at the high end of the target range.
Net income surged 26% to €9.8 billion, benefiting from higher underlying earnings and capital gains from the AXA IM sale.
Solvency II ratio improved to 224%, up 9 points, reflecting robust capital generation and prudent reserve management.
Laying foundations for the next strategic plan with a focus on technology, AI, and capital allocation.
Financial highlights
Revenues/premiums reached €116 billion (+6% year-over-year); underlying earnings €8.4 billion (+6%); net income €9.8 billion (+26%).
Underlying EPS: €3.86 (+8%); underlying ROE: 16.0%.
Dividend proposed at €2.32 per share (+8%); new share buyback program up to €1.25 billion.
Solvency II ratio: 224% (+9pts vs FY24), expected to adjust to 215% in 2026 due to regulatory changes.
Debt gearing at 22.3%, within plan guidance.
Outlook and guidance
Confident in achieving 2026 goals, targeting underlying EPS growth at the high end of the 6–8% range.
Solvency II revision expected to add +17 points to the ratio in 2027.
New strategic plan for 2027–2029 to be presented in September 2026.
Guidance maintained for underlying ROE between 14–16% and cumulative organic cash upstream >€21 billion for 2024–2026.
Focus on executing the current plan and preparing for future growth, with AI as a major lever and continued capital allocation to high-value opportunities.
Solvency II ratio post-revision impact
P&C combined ratio: prior year reserve impact
L&H net flows: traditional G/A Savings trend
How does AXA plan to leverage AI partnerships to counter new entrants
Future capital allocation for growth opportunities
How to sustain P&C margins given climate risks?
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Next AXA earnings date
AGM 202630 Apr, 2026
AXA
Next AXA earnings date
AGM 202630 Apr, 2026
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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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