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Chesnara (CSN) investor relations material
Chesnara H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary28 Aug, 2025
Executive summary
Achieved strong H1 2025 financial and operational delivery, with £37m cash generation, a 207% solvency ratio, and a 3% interim dividend increase to 7.70p per share.
Announced the £260m acquisition of HSBC Life (UK), the largest deal in group history, expected to add £4bn AuA and over 450,000 policies, with completion targeted for early 2026.
Raised £140m via rights issue and £150m through first RT1 bond to support the HSBC Life (UK) acquisition and future growth.
Admitted to the FTSE 250 Index in August 2025, improving share liquidity and marking a significant milestone since listing.
Legal merger of Dutch businesses completed, with ongoing integration and migration of acquired Canada Life protection book.
Financial highlights
Cash generation rose 26% year-over-year to £37m for H1 2025, with divisional contributions of £55m offset by £18m in central costs and one-offs.
Solvency Coverage Ratio increased by 4 percentage points to 207% (FY24: 203%), well above the 140%-160% operating range.
Interim dividend increased by 3% to 7.70p per share, with dividend cover at 1.42x.
Group-owned funds closed at £632m after dividends and tax; IFRS Capital Base at £441m.
Leverage ratio steady at 31%, expected to reduce to 25% post-acquisition and bond issue.
Outlook and guidance
HSBC Life (UK) acquisition expected to add over £800m in lifetime cash generation, with £140m in the first five years.
Pro forma owned funds to increase by 60% to over £1bn; solvency ratio to remain near 200%.
Dividend growth expected to accelerate to 6% for FY 2025 and interim 2026, post-acquisition.
Majority of future growth expected from M&A, with a strong pipeline in existing and adjacent geographies.
First Climate Transition Plan to be published in September, targeting net zero by 2050.
Drivers of accelerated dividend growth post-HSBC?
Realizing synergies from Dutch & HSBC integrations?
How do UK capital actions enhance SII resilience?
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Frequently asked questions
Chesnara plc engages in the life assurance and pension businesses. It provides life assurance, endowment and pensions, with-profits annuities, and bulk purchase annuities; reinsurance and acquisition of in-force life insurance books; pensions and annuity administration products; and services to insurance companies, occupational pension schemes, multinationals, charities and not-for-profit organizations.
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