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Helvetia Holding (HELN) investor relations material
Helvetia Holding H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary3 Sep, 2025
Executive summary
Underlying earnings rose 5.5% year-over-year to CHF 301 million, with IFRS net income up 24% to CHF 320 million, driven by strong non-life growth, technical excellence, and investment performance.
The planned merger with Baloise is progressing, with regulatory approvals received and closing expected in Q4 2025; significant synergies and increased dividend capacity are anticipated.
The group maintains robust capitalisation, with an estimated SST ratio near 290% and strong S&P rating.
Strategic initiatives focus on technical excellence, operational efficiency, and integration of Spanish operations.
The group responded effectively to major natural catastrophe events, maintaining normal NatCat expectations and strong customer support.
Financial highlights
Business volume increased 1.6% at constant FX to CHF 7 billion, led by 4% growth in non-life; life volume declined 2.5% due to a shift in Switzerland.
Combined ratio improved to 93.3%, with a 1.1-1.2 percentage point improvement in claims ratio excluding NatCats and discounting.
Underlying return on equity reached 14%, with IFRS ROE at 16%.
Life new business margin stable at 4.9% of PVNBP; new business value up 12%.
Investment results supported by positive market fluctuations, property sales, and FX effects.
Outlook and guidance
Confident in achieving 9%-11% underlying EPS growth over the three-year period, with some backloading due to efficiency measures.
Merger with Baloise expected to generate CHF 350 million in pre-tax cost synergies and increase dividend capacity by 20% by 2029.
Over 360 efficiency initiatives defined, targeting CHF 200 million annual savings by 2027.
Continued focus on technical excellence, operational efficiency, and successful integration of Spanish operations.
Updated financial targets to be provided at the next Capital Market Day post-merger.
Baloise merger: expected cost synergies
Target annual savings from efficiency initiatives
Impact of nat cat events on Swiss non-life earnings?
What is the status of post-merger operational integration?
What are the key drivers of non-life market trends?
How will efficiency savings impact future earnings?
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Next Helvetia Holding earnings date
H2 20255 Mar, 2026
Next Helvetia Holding earnings date
H2 20255 Mar, 2026
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Frequently asked questions
Helvetia Holding AG is a Swiss insurance company offering a wide range of insurance and pension solutions for individuals and businesses. The company provides life, non-life, and reinsurance products, including property, casualty, motor, health, and liability insurance. Helvetia serves both private and corporate clients across various industries, focusing on risk management and financial security. In addition to its core Swiss market, the company operates in several European countries, delivering tailored insurance services and pension solutions. The company is headquartered in St. Gallen, Switzerland, and its shares are listed on the SIX.
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