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Mandatum (MANTA) investor relations material
Mandatum Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Fee result increased 26% year-over-year to €18.5M, driven by 11% growth in client assets under management to €14.4B and improved cost efficiency.
Profit before taxes fell 55% year-over-year to €34.2M, mainly due to a weaker net finance result and absence of last year's one-off gain.
Cost to income ratio improved by 11 percentage points to 53%.
Net flow was €164M, down 29% year-over-year, but still contributed positively to AUM growth.
EPS was €0.06 in Q2, and organic capital generation per share increased to €0.17.
Financial highlights
Assets under management reached a record €14.4B, up 11% year-over-year, with institutional wealth management up 16% and corporate business up 12%.
Net finance result dropped 61% year-over-year to €21.6M, impacted by lower long-term interest rates and negative discount rate effects.
Return on equity was 7.6% for the quarter, down from 14.6% year-over-year.
Cost/income ratio improved to 53% from 63% year-over-year.
Organic capital generation per share rose 44% year-over-year.
Outlook and guidance
Updated financial targets for 2025–2028: ROE above 20%, over 10% CAGR in capital-light profit before taxes, solvency margin of 160–180%, and cumulative shareholder payout exceeding €1B.
Fee result expected to increase from 2024, but is subject to client behavior, asset allocation, competition, and market conditions.
With-profit portfolio expected to decrease, with potential volatility in net finance result due to market changes.
Cost growth guidance set at 1% annually, including investments in international expansion.
Solvency margin expected to rise significantly after the Saxo Bank share sale is finalized.
How did US trade policy impact Q2?
Explain the new Luxembourg sales unit.
What is driving OCG and dividend capacity?
Quantify international net flows this quarter.
Explain the IFRS discount rate change impact.
Detail Luxembourg sales unit recruitment plans.
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Next Mandatum earnings date
Q3 202511 Nov, 2025
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Frequently asked questions
Finnish Life Insurance and Wealth Management
Mandatum is a Finnish financial services company specializing in life insurance and wealth management. It offers a range of services including investment solutions, retirement planning, and risk management. The company is focused on three core customer types: corporate clients, private customers, and institutional & wealth management customers. The company is one of the leading players in Finland's life insurance and asset management sectors, with a history spanning over 150 years. Mandatum is headquartered in Helsinki, and its shares are listed on the Nasdaq Helsinki Exchange.
Over 150 Years of History
Mandatum has been an important player in the development of Finland's finance sector. The company’s roots can be traced back roughly 150 years to the foundation of Kaleva, a life insurance company. The modern story of Mandatum began in 2008 when the life insurance company Sampo (which had taken over Kaleva’s life insurance segment during the late 1990s) became Mandatum Life. During the same period, the Money and Life divisions were launched and the company initiated its wealth management together with its offerings in life insurance.
Wealth Management
Mandatum is a financial services company that specializes in wealth management. Their offerings in this sector typically include personalized investment strategies, asset management, and financial planning services. Mandatum focuses on understanding individual client needs to tailor investment portfolios, balancing risk and return according to specific goals and timelines. Its wealth management services are generally aimed at high-net-worth individuals, families, and institutional clients, seeking to preserve and grow their wealth over the long term. In wealth management, the company competes with large Nordic banks such as SEB and Nordea.
Life Insurance
Mandatum provides a range of life insurance products that are designed to offer financial security to policyholders' beneficiaries in the event of the policyholder's untimely death. These policies can be customized to include flexible premium payment options and varying coverage levels. Mandatum's life insurance solutions are aimed at individuals and families seeking to ensure financial stability and peace of mind for their loved ones in case of unforeseen circumstances.
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