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Hannover Rück
Hannover Rück (HNR1) investor relations material
Hannover Rück Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Mar, 2026
Executive summary
Net income reached EUR 2.64 billion in 2025, up 13.4% year-over-year, reflecting strong earnings power and sustainable profitability.
Dividend proposed at EUR 12.50 per share, a 38.9% increase year-over-year, with a payout ratio of 57%.
Shareholders’ equity rose by 10% to EUR 12.9 billion, driven by robust earnings and favorable CSM growth, despite negative currency translation impacts.
Return on equity reached 21.4%, well above the strategic ambition of >14%, outperforming peers with low volatility.
Balance sheet further strengthened by adding EUR 700 million to resiliency reserves and realizing EUR 600 million in fixed income losses.
Financial highlights
EBIT totaled EUR 2.6 billion; operating profit (EBIT) increased 5.7% to EUR 3.51 billion.
Group reinsurance revenue grew 1.5% year-over-year to EUR 26.79 billion (FX-adjusted +4.7%).
Ordinary investment return at 2.5% (deliberately below target due to loss realization); excluding losses, ROI was 3.4%.
Solvency ratio at 256%, reflecting strong capital generation and hybrid bond redemption.
Large losses in 2025 were EUR 375 million below budget, with NatCat losses clearly below expectations.
Outlook and guidance
FY 2026 guidance targets group net income of at least EUR 2.7 billion, mid-single-digit revenue growth, and a combined ratio below 87%.
Life & Health reinsurance service result targeted at EUR 925 million for 2026.
CSM growth target of around 2% remains valid; investment return guidance at 3.5%.
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Next Hannover Rück earnings date
Q1 202611 May, 2026
Hannover Rück
Next Hannover Rück earnings date
Q1 202611 May, 2026
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Frequently asked questions
Hannover Rück SE is a global reinsurance company offering property and casualty, as well as life and health reinsurance solutions. The company provides treaty and facultative reinsurance coverage to insurers worldwide, supporting risk management and capital efficiency. It operates through a decentralized network of subsidiaries and branches. Hannover Rück SE is headquartered in Hannover, Germany, and its shares are listed on the XETRA.
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