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Investor Relations14 Oct 2025
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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
Delivered strong H1 2025 results with £37m cash generation, a 207% solvency ratio, and a 3% interim dividend increase, marking continued financial and operational strength.
Announced the £260m acquisition of HSBC Life (UK), the largest in group history, expected to add over £800m in lifetime cash generation and £4bn in assets under administration, with completion targeted for early 2026.
Raised £140m via rights issue and £150m through a Restricted Tier 1 Bond, restoring firepower for future M&A and supporting the HSBC Life (UK) acquisition.
Admitted to the FTSE 250 Index in August 2025, enhancing share liquidity and marking a significant milestone since listing.
Achieved major strategic milestones, including the legal merger of Dutch businesses and migration of the acquired Canada Life protection book.
Financial highlights
Group cash generation reached £37m, up 26% year-over-year, with divisional contributions of £55m offset by £18m in central costs and one-offs.
Solvency Coverage Ratio increased to 207% from 203% at FY 2024, well above the 140–160% operating range.
Interim dividend increased by 3% to 7.70p per share, maintaining a record of consecutive dividend growth.
Eligible Own Funds at £632m after dividends and tax; IFRS Capital Base at £441m.
Dividend cover at 1.42x, IFRS leverage stable at 31%.
Outlook and guidance
HSBC Life (UK) acquisition expected to generate over £800m in lifetime cash generation and £4bn in assets under administration, with completion anticipated in early 2026.
Dividend growth trajectory accelerated, with a 6% increase expected for FY2025 and interim 2026 on a per share basis.
Pro forma own funds projected to increase by 60% to over £1bn post-acquisition and capital raise.
Robust balance sheet and significant capital resources to pursue further M&A, with a positive pipeline anticipated well into 2026 and beyond.
Publication of first Climate Transition Plan 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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Next Chesnara earnings date
H2 202526 Mar, 2026
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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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