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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 in 1H25, driven by strong growth in Insurance Europe, Japan, and Netherlands Non-life.
Solvency II ratio increased to 208% (205% pro-forma), surpassing the 150%-200% comfort range.
Interim dividend increased by 8% to EUR 1.38 per share, with ongoing share buybacks and a focus on progressive capital returns.
Net result declined 40% year-over-year to EUR 391 million, mainly due to non-operating losses and divestment costs.
Strategic Future Ready programme is on track, targeting EUR 200 million in annual benefits by 2027 through standardization, automation, and AI.
Financial highlights
Operating result increased 8.6% to EUR 1,443 million, while OCG reached EUR 1,020 million, up 6% year-over-year.
Free cash flow was EUR 863 million, slightly down from EUR 899 million in 1H24, but on track for the EUR 1.6 billion full-year target.
Pro-forma Solvency II ratio at 205%, above the comfort zone.
Cash capital position at holding company rose to EUR 1,625 million, driven by untendered RTO1 capital and net cash build.
Basic EPS dropped 40.5% to EUR 1.31.
Outlook and guidance
Upgraded 2025 OCG target to EUR 1.9 billion; 2028 target set at EUR 2.2 billion.
Free cash flow target for 2025 is EUR 1.6 billion, with over EUR 1.8 billion targeted for 2028.
Netherlands Non-life expected to deliver full-year OCG above EUR 400 million.
Continued focus on digital transformation and operational efficiency, 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.
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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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