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OVB Holding (O4B) investor relations material
OVB Holding Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Brokerage income increased by 10.3% to €328.7 million in the first nine months of 2025, driven by strong growth in Central and Eastern Europe and Southern and Western Europe segments, with client and advisor numbers reaching new highs.
Operating income (EBIT) declined by 55.3% to €6.2 million, mainly due to significant one-off legal and sales support expenses related to the liquidation of a product partner.
Earnings per share dropped by 58.3% to €0.39, with net income attributable to owners down to €5.6 million.
Financial highlights
Brokerage income rose from €298.1 million to €328.7 million year-over-year (+10.3%).
EBIT fell from €13.9 million to €6.2 million, and net income attributable to owners dropped from €13.3 million to €5.6 million.
EBIT margin declined from 4.7% to 1.9% year-over-year.
Cash flow from operating activities was €16.7 million (down from €22.3 million YoY); equity ratio decreased to 30.6%.
Other operating income increased by 78.0%, while operating expenses and personnel costs also rose.
Outlook and guidance
Operating income for 2025 is expected to be between €10 and €15 million, impacted by the insolvency of a former product partner.
Group brokerage income is projected to range from €430 to €450 million for the full year.
The company continues to implement its medium-term growth strategy, focusing on expanding its sales organization and client base.
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Next OVB Holding earnings date
Q4 202526 Mar, 2026
Next OVB Holding earnings date
Q4 202526 Mar, 2026
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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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