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Phoenix Group (PHNX) investor relations material
Phoenix Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary8 Sep, 2025
Executive summary
Achieved strong progress on strategic priorities, driving profitable growth in Pensions and Savings and Retirement Solutions, with continued cost-saving initiatives and recurring management actions.
On track to deliver 2026 financial targets, including £5.1bn total cash generation, c.£1.1bn IFRS adjusted operating profit, and c.30% Solvency II leverage ratio.
Regulatory and demographic tailwinds support a structurally growing UK retirement savings and income market, positioning the group for further momentum.
Announced intention to rebrand as Standard Life plc in March 2026 to unify brand and strategy.
Strategic execution is enabling strong shareholder returns, supported by a progressive and sustainable dividend policy.
Financial highlights
Operating cash generation up 9% to £705m; total cash generation £784m.
IFRS-adjusted operating profit up 25% to £451m; pensions and savings profit up 20%, retirement solutions up 36%.
Solvency capital coverage ratio increased to 175%; leverage ratio improved to 34%.
Interim dividend per share increased 2.6% to 27.35p.
IFRS loss after tax narrowed to £156m from £646m in prior year.
Outlook and guidance
On track to deliver all 2026 financial targets, including mid-single digit annual OCG growth, £5.1bn total cash generation (2024-26), and £250m annual run-rate cost savings by 2026.
Continued focus on organic growth, digital transformation, and cost efficiency.
Excess cash generation supports deleveraging and future capital allocation to highest returning opportunities post-2026.
Explain the H1 cash generation divergence
Impact of hedging on IFRS loss and equity?
Value from in-housing annuity assets & Wipro?
How will accelerated cost savings impact margins?
What is the full scope of annuity asset in-housing?
What drives retail market share growth to top 5?
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Next Phoenix Group earnings date
H2 202516 Mar, 2026
Next Phoenix Group earnings date
H2 202516 Mar, 2026
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Frequently asked questions
Phoenix Group Holdings plc is a life and pensions consolidator and insurance services provider based in the United Kingdom. The company specializes in the management of life insurance and pension funds, focusing on acquiring and efficiently managing closed life insurance and retirement funds. In addition to its core consolidation business, Phoenix offers open insurance products, including savings, retirement, and protection solutions. The company is headquartered in London, United Kingdom, and its shares are listed on the LSE (London Stock Exchange).
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