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Línea Directa Aseguradora (LDA) investor relations material
Línea Directa Aseguradora Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income rose 72.2% year-over-year to €43.8 million, driven by strong premium and customer growth, improved underwriting margin, and robust return on equity.
Gross written premiums increased 10.8% to €558.2 million, with the customer base expanding by 7.2% to 3.58 million policies.
Combined ratio improved by 3.2 percentage points to 92.3%, reflecting lower claims frequency and operational efficiency.
Solvency ratio increased to 193.2%, indicating robust capital strength.
Strong performance across all business lines, with Motor premiums up 11%, Home up 7.5%, and Health up 13.6%.
Financial highlights
Net income for H1 2025 reached €43.8 million, up 72.2% year-over-year.
Gross written premiums totaled €558.2 million, a 10.8% increase year-over-year.
Technical insurance result, net of reinsurance, surged 79.5% to €38.7 million.
Investments result grew 33.9% to €22.2 million, supported by higher returns from fixed income and equities.
Profit before tax rose 69.6% to €58.1 million.
Outlook and guidance
Acceleration in premium and customer growth is expected to continue, supported by strong retention and product mix improvements.
Combined ratio for Motor and Home expected to remain in the low 90s throughout the year, barring unforeseen events.
Health insurance portfolio anticipated to improve further in the latter part of the year.
Management expects ongoing transformation and digitalization to drive further growth and profitability.
CEO highlights confidence in continued upward trend in key performance indicators.
Explain Atos impairment impact.
Discuss Motor's premium growth outlook.
Detail retail business acquisition costs.
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Next Línea Directa Aseguradora earnings date
Q3 202527 Oct, 2025
Next Línea Directa Aseguradora earnings date
Q3 202527 Oct, 2025
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Frequently asked questions
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros is a Spain-based company specializing in insurance and reinsurance services. It operates primarily in the motor, home, and health insurance sectors under various brands, including Línea Directa, Penelope Seguros, Aprecio, and Vivaz Seguros. The company offers a wide range of products, such as car, motorbike, home, and health insurance, with additional services like vehicle inspection, roadside assistance, and claims management. Its distribution model focuses on direct sales through telephone and online channels. The company is headquartered in Tres Cantos, Spain, and its shares are listed on the BME.
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