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Ayvens (AYV) investor relations material
Ayvens H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income group share rose 38.5% year-over-year in Q2 2025 to €271 million, with H1 2025 up 30.2% to €491 million; ROTE reached 13.7% in Q2 2025.
Diluted EPS increased 42.4% to €0.30 in Q2 2025; H1 2025 EPS at €0.56, up from €0.42.
Strong performance achieved despite subdued economic conditions, supported by disciplined execution, cost reductions, and strategic integration.
Integration of LeasePlan and PowerUp 2026 plan progressing, with 70% of fleet on unified IT platform and synergies ramping up.
Management transition announced: new CEO effective December 2025.
Financial highlights
Gross operating income for Q2 2025 was €855 million, up 8.9% year-over-year; H1 2025 gross operating income up 6.1% to €1,674 million.
Leasing and Services margins grew 3.7% year-over-year in Q2 2025 to €712 million; H1 2025 up 3.3% to €1,420 million.
Used car sales result and depreciation adjustments rose 45.9% year-over-year in Q2 2025; profit per unit up to €972.
Operating expenses declined 6% year-over-year in Q2 2025, with cost/income ratio improving to 57.6%.
Cost of risk at €27 million (20 bps), down from 23 bps in Q2 2024.
Outlook and guidance
Full-year 2025 guidance for cost-income ratio (57-59%) and used car sales results (€700-1,100 per unit) reaffirmed.
PowerUp 2026 plan execution and integration on track, with further cost reductions and synergy realization expected.
Management expects continued delivery on strategic and financial roadmap, with Q3 results to be presented in October.
Normalization of used car sales results expected to continue, especially as EV share increases.
No material events after June 2025 affecting financial position or results.
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