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Investor Relations14 Oct 2025
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Mapfre (MAP) investor relations material
Mapfre Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net result reached €570 million for the first half of 2025, up 23.6% year-over-year, with profitability gains across all regions and business lines, driven by technical improvements and diversification.
Premiums totaled nearly €16 billion, up 5.3% in euros and 10.2% at constant exchange rates, with strong growth in Life and Non-Life segments.
ROE stood at 12.2% (13.3% adjusted), and shareholders' equity was stable at €8.5 billion.
All major regions reported higher net results and improved combined ratios.
Strategic plan, diversification, and efficiency gains support optimism for 2025 despite currency and geopolitical challenges.
Financial highlights
Premiums increased 5.3% to €15.95 billion; Non-Life up 2.5%, Life up 15.7%, with Life Savings up 37.1%.
Net result rose to €570 million (23.6% increase year-over-year); IFRS net result was €596 million (+20.6%).
Non-Life combined ratio improved to 93.1% (down 2.6 p.p. year-over-year); Life Protection combined ratio at 84.1%.
Shareholders' equity stable at €8.5 billion; assets under management over €61.5 billion.
Solvency II ratio at 205.6% as of March 2025.
Outlook and guidance
Positive outlook for the second half and 2025, with continued focus on technical improvement, efficiency, and profitable growth.
ROE target remains at 11–12%, with potential for upside as write-offs dilute.
Group is prepared to manage macroeconomic, geopolitical, and currency risks.
Explain the drivers behind Iberia's combined ratio.
Assess the impact of currency depreciation on Brazil.
Detail technical measures improving Auto combined ratio.
Explain MAPFRE RE's reserving prudence.
Assess Iberia's Life insurance outlook.
How will Brazil Agro changes impact top line?
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Next Mapfre earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Mapfre S.A. is a global insurance and reinsurance company offering services across property, casualty, life, health, and automobile segments. It operates through subsidiaries and partnerships in Europe, Latin America, and other international markets. The company is headquartered in Madrid, Spain, and its shares are listed on the BME.
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