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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.
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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