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NN Group
NN Group (NN) investor relations material
NN Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary8 Aug, 2025
Executive summary
Operating capital generation rose 6% to EUR 1,020 million, driven by strong growth in Insurance Europe and Netherlands Non-life, and supported by the Future Ready programme targeting EUR 200 million annual benefits by 2027.
Solvency II ratio increased to 208% (205% pro-forma), surpassing the 150%-200% comfort range, supported by favorable markets and refinancing activities.
Interim dividend increased by 8% to EUR 1.38 per share, with ongoing share buybacks and a continued focus on progressive capital returns.
Net result declined 40% year-over-year to EUR 391 million, mainly due to non-operating losses, government bond sales, derivative revaluations, and divestment costs.
Commercial momentum continued in growth segments: Europe, Japan, and Netherlands Non-life, with VNB up 11% in Europe and 25% in Japan.
Financial highlights
Operating result increased 8.6% to EUR 1,443 million, driven by higher investment returns in Netherlands Life and improved Non-life performance.
Free cash flow reached EUR 863 million, slightly down year-over-year, but on track for the EUR 1.6 billion full-year target.
Pro-forma Solvency II ratio at 205%, reported at 208%, above the comfort zone.
Basic earnings per share dropped 40.5% to EUR 1.31.
Gross written premiums and new sales (APE) both declined 6% year-over-year.
Outlook and guidance
Upgraded 2025 OCG target to EUR 1.9 billion and reaffirmed 2028 target at EUR 2.2 billion, with growth led by Insurance Europe, Netherlands Non-life, and Japan.
Free cash flow target of EUR 1.6 billion for 2025 and over EUR 1.8 billion by 2028 reaffirmed.
Netherlands Non-life expected to deliver full-year OCG above EUR 400 million.
Continued focus on digital transformation, operational efficiency, and sustainability, targeting 50% of new sales from digital leads in Insurance Europe by 2028.
Capital return policy to be reviewed at full year results, with preference for incremental steps.
Future Ready: Progress on cost savings target?
Pension buyouts: What IRR is acceptable?
Japan: Next product launch timeline?
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Next NN Group earnings date
H2 202512 Feb, 2026
NN Group
Next NN Group earnings date
H2 202512 Feb, 2026
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Frequently asked questions
NN Group N.V., a financial services company, primarily provides life insurance products in the Netherlands and internationally. It offers individual and group life insurance products; supplementary health insurance; bank-related asset management services, such as savings and investment products, pensions, mortgage loans, and annuities; investment banking, securities brokerage, and other capital market services; risk management software and consulting services for pension funds, companies, and insurers; property/casualty insurance; bancassurance products; and asset management services. NN Group N.V. was founded in 1845 and is headquartered in the Hague, the Netherlands.
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