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OVB Holding (O4B) investor relations material
OVB Holding Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Sales and brokerage income grew 11.1% year-over-year to €220.7 million in H1 2025, with client base up 4.6% to 4.81 million and advisors up 6.7% to 6,407.
EBIT declined 58.8% to €3.8 million, mainly due to extraordinary items and a product partner insolvency.
Net income attributable to owners dropped 68.1% to €2.9 million; EPS fell from €0.65 to €0.21.
Financial highlights
Brokerage income rose 11.1% to €220.7 million; EBIT margin decreased from 4.7% to 1.7%.
Net income fell to €2.9 million from €9.2 million; EPS declined 68.1% to €0.21.
Brokerage expenses increased 12.7% to €151.2 million; other operating expenses up 34.3%.
Personnel expenses rose 10.7% to €29.6 million; depreciation and amortisation up 16.6%.
Cash flow from operating activities halved to €9.5 million; cash and cash equivalents at €62.4 million (-6.9% year-over-year).
Outlook and guidance
Full-year brokerage income forecast raised to €430–450 million (previously €420–440 million).
EBIT guidance lowered to €10–15 million from €20–23 million due to extraordinary items and partner insolvency.
Ongoing legal proceedings and financial risks from the product partner insolvency remain uncertain.
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Next OVB Holding earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
OVB Holding AG is a German financial services company specializing in personal financial consulting and wealth management. The company provides advisory services in areas such as insurance, investment, pension planning, and asset management, catering to individual clients across Europe. Through its network of financial advisors, OVB assists clients in developing tailored financial plans to meet long-term savings and financial security goals. Its services are aimed at providing accessible financial planning and guidance across various life stages. The company is headquartered in Cologne, Germany, and its shares are listed on the FWB.
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