)

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.
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.
Next NobleOak Life earnings date

Next NobleOak Life earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage