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Insurance Australia Group (IAG) investor relations material

Insurance Australia Group H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary13 Aug, 2025

Executive summary

  • Achieved strong financial results, with net profit after tax up 51.3% to $1,359m and insurance profit rising 21.2% to $1.743B, meeting or exceeding expectations.

  • Over $10.2B in claims paid, robust customer retention, and NPS metrics, with 66,000 net new retail customers added.

  • Major technology upgrades completed, supporting scalable growth and migration of over 4M policies to a new platform.

  • Strategic acquisitions of RACQ and RAC in WA funded through organic capital generation, expected to add ~$3B GWP and at least $300M insurance profit.

  • Over $8.8M invested in community initiatives.

Financial highlights

  • Insurance profit of $1.7B, margin at 17.5%, and underlying margin at 15.5%, both above targets.

  • GWP grew 4.3% to $17.1B, with direct business up 7.7%; NEP up 8.7% to $9.98B.

  • Dividend per share increased to $0.31 (up 12–14.8% YoY), with a 65% payout ratio and 40% franking.

  • CET1 ratio at 1.47 pre-acquisitions, expected at 1.0x PCA post-acquisitions, within the 0.9–1.1x target range.

  • Net claims from natural perils at $1.088B, $195M below allowance, due to benign NZ conditions.

Outlook and guidance

  • FY26 guidance: GWP growth in low-to-mid single digits, with Retail Australia mid-single digit, Intermediator low single digit, NZ flat.

  • Reported insurance profit expected at $1.45B–$1.65B, margin 14–16%, in line with 15% target.

  • RACQ and RAC in WA acquisitions to add ~$3B premium and at least $300M insurance profit, with double-digit EPS accretion.

  • Post-acquisition, annualized GWP expected to exceed $21B, supporting over 10M customers.

  • FY26 perils allowance set at $1.316B, up 2.6–3% reflecting exposure growth.

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Frequently asked questions

Insurance Australia Group Ltd is a general insurance company offering personal and commercial insurance products, including coverage for motor vehicles, homes, businesses, and farms. The company operates through various brands across Australia and New Zealand, serving individuals and businesses with risk management solutions. Insurance Australia Group operates within the financial services sector, specifically insurance. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.

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