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M&G (MNG) investor relations material
M&G 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
Achieved £2.6bn net inflows in Asset Management, with 58% of external assets from international clients and cost-to-income ratio reduced to 75%.
Strategic partnership with Dai-ichi Life, including a 15% stake and expected $6bn in new business over five years, supporting Asian market access.
Integrated PruFund onto FNZ technology, enabling access to digital platforms and a £690bn market.
Adjusted operating profit before tax rose to £378m, with profit after tax at £248m, reversing a £56m loss last year.
Assets under management and administration increased 3% to £354.6bn, supported by positive market movements and improved net client flows.
Financial highlights
Net flows from open business reached £2.1bn, a £3.2bn year-on-year improvement.
Adjusted operating profit before tax: £378m; profit after tax: £248m.
Operating capital generation: £408m, with £443m before new business strain.
Asset Management fee-related earnings increased by 14% year-on-year; cost-to-income ratio improved to 75%.
Solvency II coverage ratio improved to 230%, up 7 points from year-end.
Outlook and guidance
On track to achieve £2.7bn cumulative operating capital generation by 2027.
Committed to at least 5% average annual profit growth target.
Targeting £230m in cost savings from transformation by 2025, with £213m already achieved.
Anticipate stronger PruFund flows and annuity market activity in the second half.
With-Profits BPA solution set for launch in Q1 2026.
What is the expected contribution from Dai-ichi partnership?
How will FNZ tech access impact PruFund growth?
What drove the SCR reduction in H1 2025?
Given 230% Solvency II, how to reach <30% leverage?
BPA market competition and unique offering strategy
Beyond H1, what drives Asset Management growth?
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H2 202518 Mar, 2026
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Frequently asked questions
M&G plc is a United Kingdom-based savings and investment company providing a range of financial solutions to individual and institutional clients. The company operates through two primary segments: Asset Management and Retail & Savings. It offers investment products such as mutual funds, fixed income securities, and multi-asset strategies, as well as retirement solutions, annuities, and life insurance policies. The company is headquartered in London, United Kingdom, and its shares are listed on the LSE (London Stock Exchange).
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