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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Clearview Wealth (CVW) investor relations material
Clearview Wealth H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary28 Aug, 2025
Executive summary
Achieved strong second half performance in FY 2025, with double-digit growth in gross and in-force premiums, providing a platform for accelerated growth into FY 2026.
Life insurance underlying NPAT up 12% in H2 to $22.5M; full year life insurance underlying NPAT $37.7M, down 5% year-over-year, with margin restored to 11.1% in H2.
Group underlying NPAT for FY 2025 was $32.3M, down 8% year-over-year, but 2H25 saw an 11% increase to $19.9M.
Completed exit from wealth and investment management businesses, focusing on core life insurance and digital transformation.
Focused on quality new business and maintained steady market share in the advisor channel.
Financial highlights
In-force premiums up 10% to $412.9M; gross premiums grew 10% year-over-year to $393.7M.
ClearChoice premiums up 52% year-over-year to $112M; now 29% of retail advice in-force portfolio.
Underlying EPS for FY 2025 was $0.05 per share, down 9% due to 1Q25 claims, but 2H25 EPS rose 9% to 3.1cps.
Embedded value (excl. franking credits) rose to $0.82 per share, up 5%.
Reported NPAT was $8.2M, a significant turnaround from prior losses.
Outlook and guidance
FY 2026 gross premium income guidance: $435M–$440M.
FY 2026 life insurance underlying NPAT margin: 11–12%; underlying NPAT: $47M–$52M; group underlying NPAT: $42M–$47M.
Underlying EPS guidance for FY 2026: $0.065–$0.0737 per share, representing a 30%+ increase from FY25.
Dividend policy remains at 40–60% payout of group underlying NPAT; share buyback to resume post-results.
Key risks: claims experience, technology execution, lapse rates, repricing, and interest rates.
What EV discount level triggers dividend reconsideration?
Target new channels for accelerated growth?
Mitigate impact of strengthened lapse assumptions?
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Next Clearview Wealth earnings date
AGM 20256 Nov, 2025
Next Clearview Wealth earnings date
AGM 20256 Nov, 2025
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Frequently asked questions
ClearView Wealth Limited is an Australian financial services company offering life insurance, wealth management, and financial advisory services. The company provides a range of life insurance products, including income protection and term life insurance, catering to individuals and families. In wealth management, ClearView offers investment and retirement solutions to support financial planning and long-term wealth growth. Additionally, the company provides advisory and consulting services to assist clients in managing their financial well-being. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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