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FBD Holdings (EG7) investor relations material
FBD Holdings H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary8 Aug, 2025
Executive summary
Profit before tax was €17.1m, down from €32.3m in H1 2024, with a combined operating ratio (COR) of 94.2%, reflecting strong underlying profitability despite significant weather-related claims in January 2025.
Gross written premium grew 10% year-over-year to €249m, with policy count up by 10,500 and retention at 90%.
Special dividend of 75c per share approved, with €4m allocated to share repurchase in H2 2025.
Solvency capital ratio (SCR) at 202% post-dividend and buyback, well above target range, reflecting robust capital strength.
High customer retention and policy growth, especially in the Farmer segment, underpin continued momentum.
Financial highlights
Underwriting result was €14m, down from €26m in HY2024, mainly due to €30.6m net cost from January weather events.
Investment return was €13m (HY2024: €15m), with bond income rising as maturities were reinvested at higher yields.
EPS was 41c, down from 79c in HY2024; annualised ROE at 6% (HY2024: 12%).
Net asset value per share increased to 1,308c.
Insurance revenue was €235.1m, up 10.6% year-over-year.
Outlook and guidance
Full-year 2025 combined operating ratio is expected in the low 90s, reflecting robust underlying profitability.
Income from bond portfolios projected to rise as higher reinvestment yields take effect.
Focus remains on dividend sustainability and capital strength.
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Next FBD Holdings earnings date
H2 20256 Mar, 2026
Next FBD Holdings earnings date
H2 20256 Mar, 2026
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Frequently asked questions
FBD Holdings plc is a financial services company that primarily operates in Ireland. The company engages in the underwriting of general insurance, catering to a diverse range of customers including farmers, private individuals, and businesses. FBD Holdings operates through three segments: General Insurance, Financial Services, and Other Group Activities. Its insurance offerings cover various categories such as motor, home, travel, life and pensions, business, and farm insurance. Additionally, the company provides services like investment and pension brokerage, reinsurance, and acts as an intermediary for life and pensions. The company is headquartered in Dublin, Ireland, and its shares are listed on the Euronext Dublin.
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