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Línea Directa Aseguradora (LDA) investor relations material
Línea Directa Aseguradora Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Premiums grew 11.4% year-over-year to €843.8 million for the first nine months of 2025, with all business lines—Motor, Home, and Health—contributing to growth and the customer portfolio expanding by 8.1% to 3.65 million policyholders.
Net profit for the period reached €59.7 million, up 46.4% year-over-year, with profitability and efficiency gains reflected in a combined ratio of 93.4% and ROAE at 22.3%.
All business lines showed strong growth: Motor premiums up 11.8%, Home up 7.3%, and Health up 13.9%, with Health specialist and complete products now over 65% of the portfolio.
Focus remains on disciplined growth, customer loyalty, digital initiatives, and operational efficiency to drive top-line development.
Customer base grew by over 274,000 policyholders in the past 12 months, reflecting strong commercial momentum.
Financial highlights
Gross written premiums rose 11.4% to €843.8 million, with ordinary insurance activities income up 7.8% to €794.1 million.
Technical insurance result increased by 55.4% to €51.0 million, and investment result grew 18.9% to €32.0 million.
Profit before tax was €79.3 million, up 47.1% year-over-year, and profit after tax was €59.7 million, up 46.4%.
Combined ratio improved to 93.4%, down 2.0 percentage points year-over-year, with loss ratio at 72.3% and expense ratio at 21.1%.
Return on equity stood at 22.3%; solvency ratio at 189%.
Outlook and guidance
Expectation to maintain combined ratio in the mid-90s for the year, with a focus on prudent underwriting, risk management, and continued premium and customer growth.
Premiums will continue to be adjusted in line with CPI increases, with no strategy to lower average premiums.
Anticipation of a second dividend announcement before year-end, subject to board approval.
Management highlights continued focus on growth, efficiency, and profitability, aiming to achieve strategic priorities.
Future contribution of Other Products segment
Drivers of improved loss ratio despite Motor severity?
Sustaining 8%+ customer growth rate drivers?
Motor combined ratio outlook for Q4?
Digital channel impact on underwriting risk?
Solvency ratio volatility and future outlook?
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Next Línea Directa Aseguradora earnings date
Q4 202529 Jan, 2026
Next Línea Directa Aseguradora earnings date
Q4 202529 Jan, 2026
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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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