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NobleOak Life (NOL) investor relations material
NobleOak Life H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary29 Aug, 2025
Executive summary
Achieved strong FY2025 results with 20% in-force premium growth to $464M, exceeding 15% guidance, and underlying profit up 22% to $18.3M, with market share gains in both direct and advised channels.
Recognized as Australia's most awarded direct life insurer for the sixth consecutive year, winning 21 industry awards including Life Insurance Company of the Year 2025.
Maintained robust capital base and cash flows, supporting ongoing investment in technology, AI, and new product development, including the acquisition of Fifty Up Club and a new direct channel partnership.
Embedded value (EV) published at $197.6M, a 90% increase since IPO, reflecting strong policy value and growth trajectory.
Financial highlights
In-force premium grew 20% year-over-year to $464M, driven by strong sales and better-than-industry lapse rates, ahead of 15% guidance.
Underlying profit increased 22% to $18.3M; statutory profit lower at $7.1M due to one-off RevTech acquisition and Victorian stamp duty provision.
New business premiums rose 17% to $63M, with market share at 12.8% and direct in-force premiums up 9% to $100M.
Strategic partner channel in-force premium up 23% to $364M, advised market share at 3.5%.
Capital adequacy ratio at 186%, top of target range; capital base at $51M as of June 2025.
Outlook and guidance
Targeting in-force premium growth above 15% for FY2026, with NPAT expected to grow by more than 10%.
Continued investment in technology, AI, and customer experience; launching new products and expanding partnerships.
Transition to Life Company structure expected to deliver long-term capital efficiency and flexibility.
Board prioritizing growth investment and capital preservation during transition; no dividend declared for FY2025.
Impact of life company transition on SP channel?
Expected contribution from health insurer partnership?
When might shareholder returns resume?
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Next NobleOak Life earnings date
H1 202626 Feb, 2026
Next NobleOak Life earnings date
H1 202626 Feb, 2026
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Frequently asked questions
NobleOak Life Limited is an Australian life insurance company offering a range of insurance products, including life, income protection, trauma, and total and permanent disability (TPD) insurance. The company focuses on providing straightforward and competitively priced insurance solutions directly to customers, as well as through partnerships with financial advisors and brokers. NobleOak Life Limited is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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