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Winner, Winner: The Chicken McNugget Story
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Línea Directa Aseguradora
Línea Directa Aseguradora (LDA) investor relations material
Línea Directa Aseguradora Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
9M 2026 gross written premiums reached €919.0m, up 8.9% YoY; policyholders rose 6.9% to 3.905m, adding 253,074 risks underwritten.
Net profit increased 34.8% to €80.4m; the combined ratio improved 2.1 p.p. to 91.3%, ROAE was 25.6% and Solvency II ratio was 191.5%.
Financial highlights
Insurance activities income was €879.8m, up 10.8% YoY; net technical result increased 45.6% to €74.3m.
Insurance and financial result rose 31.9% to €104.0m; profit before tax was €104.0m, up 31.2%.
Net investment result increased 7.7% to €34.5m; excluding the temporary building-renovation impact, it would have grown 13.9%.
3Q 2026 profit after tax was €28.3m.
Outlook and guidance
Combined ratio target is the low-to-mid 90s, with 92%–93% viewed as comfortable; outcomes depend on inflation and competition.
Premiums and policyholders are targeted to grow faster than the market in 2027 and 2028; no specific 2027 premium-growth figure was set.
Motor policyholder additions target is ~50,000 per quarter; 43,000 were added in the latest quarter.
Pricing and expenses may be adjusted if inflation rises; management monitored inflation throughout the year.
Strong customer growth, above-market revenue growth and profitability support progress toward strategic objectives.
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Latest events from Línea Directa Aseguradora
- FY2023 loss gave way to H2 profitability as Q4 combined ratio fell to 98.5%.LDA
Q4 2023 - H1 premiums rose 9.2%, profit 19%, and the combined ratio improved to 91.1%.LDAQ2 2026
- Q1 2026 net profit up 12.3% to €23.4M, with 10.2% premium growth and improved efficiency.LDAQ1 2026
- Net profit up 33.5% to €85.7M, with 11.3% premium growth and strong digitalization.LDAQ4 2025
- Net profit up 46.4% to €59.7M, premiums up 11.4%, and combined ratio at 93.4%.LDAQ3 2025
- Net income rose to €40.7M, premiums grew 3.5%, and combined ratio improved to 95.4%.LDAQ3 2024
- Net income rose to €25.4M in H1 2024, with improved margins and a €15M dividend declared.LDAQ2 2024
- Net income doubled to €20.8M as premiums rose 9.5% and efficiency improved.LDAQ1 2025
- 2024 profit reached €64.2M with record premiums, margin gains, and digital acceleration.LDAQ4 2024
Next Línea Directa Aseguradora earnings date
Q4 202622 Feb, 2027
Línea Directa Aseguradora
Next Línea Directa Aseguradora earnings date
Q4 202622 Feb, 2027
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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.