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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Momentum Group (MTM) investor relations material
Momentum Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary17 Sep, 2025
Executive summary
Achieved record normalized headline earnings of ZAR 6.26 billion for FY2025, up 41% year-over-year, with strong performance across all business units except Africa, which underperformed.
Successfully executed turnaround strategies in Momentum Insure and Metropolitan, both now sustainably profitable, and completed the sale of the Ghana business.
Implemented major system migrations, including consolidation of over 2.4 million policies, improving efficiency and client experience.
Launched major solar energy projects and innovative employee health benefits in partnership with Woolworths.
Strategic focus on value of new business (VNB), sales growth, and operational excellence, with continued innovation and product launches.
Financial highlights
Normalized headline earnings rose 41% to ZAR 6.26 billion; earnings per share increased 46% year-over-year to 451c.
Return on equity reached 21.2%, exceeding the 2027 target of 20% and ranking among the industry's highest.
Embedded value per share up 15% to ZAR 42.51; return on embedded value at 19%.
Final dividend of ZAR 0.90 per share declared, full-year dividend up 40% to ZAR 1.75 per share.
Value of new business declined 20% to ZAR 469 million; new business margin fell from 0.7% to 0.6%.
Outlook and guidance
Management expects FY2026 to be more challenging due to persistent tough economic conditions.
Enhanced focus on improving value of new business (VNB) and new business margins, with a target of 1% margin by 2027.
Well-positioned to deliver on 2027 ambitions, leveraging strong financial position and operational momentum.
India business expected to grow gross written premiums by 30%+ annually, with potential to reach ZAR 1 billion profit by 2030.
VNB decline: How to reach F'27 margin target?
SA revenue diversification strategy vs. new entrants?
Performance optimization: next steps for ZAR 1bn savings?
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Next Momentum Group earnings date
Q1 202619 Nov, 2025
Next Momentum Group earnings date
Q1 202619 Nov, 2025
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Frequently asked questions
Momentum Metropolitan Holdings Limited is a South African-based financial services group, established through the merger of Metropolitan Holdings and Momentum Group in December 2010. The company offers a comprehensive range of financial solutions including long- and short-term insurance, asset management, savings, investment, and employee benefits. It operates under key brands such as Metropolitan, Momentum, Guardrisk, and Eris Properties, catering to a diverse clientele aiming to achieve their financial goals and life aspirations. The company is also involved in healthcare solutions, providing health administration, managed care, and wellness services. The company is headquartered in Centurion, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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