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Prudential (PRU) investor relations material
Prudential H1 2025 (Q&A) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 (Q&A) earnings summary27 Aug, 2025
Executive summary
Achieved double-digit growth in key financial metrics for H1 2025, including new business profit and adjusted operating profit per share up 12%, gross operating free surplus generation up 14%, and dividends per share up 13%.
Broad-based growth across 13 of 19 life markets, with notable strength in Hong Kong (+16% NBP), Indonesia (+34%), and Mainland China (+8%).
Reached an inflection point in capital generation, supporting an updated capital management program and enhanced shareholder returns, with over $5 billion expected to be returned to shareholders between 2024 and 2027.
Continued strategic transformation with $400 million invested in technology, processes, and capabilities to drive operational effectiveness and customer engagement.
On track to achieve 2025 guidance and 2027 financial objectives, driven by quality new business and strong capital generation.
Financial highlights
New business profit for H1 2025 was $1.3 billion, up 12% year-over-year, with NBP margin expanding to 38%.
Adjusted operating profit after tax was $1.4 billion, up 12%; earnings per share grew 12% to 49.3¢.
Gross operating free surplus generation reached $1.6 billion, up 14% year-over-year.
Embedded value per share (excluding goodwill) at period end was $13.24 (£9.66); return on embedded value improved to 15%.
Dividend per share increased by 13% year-over-year, with a policy targeting over 10% annual growth from 2025–2027.
Outlook and guidance
Confident in achieving >10% growth in value, earnings, and capital generation for full-year 2025.
2027 objectives include 15–20% CAGR in new business profit (2022–2027) and gross OFSG of at least $4.4 billion.
Ordinary dividend per share expected to grow over 10% annually through 2027, with additional recurring capital returns of $500 million in 2026 and $600 million in 2027.
Expecting a 7–10% annual growth rate in active agents for 2026 and 2027.
Intention to return net proceeds from potential IPO of Indian asset management business to shareholders.
Long-term capital return strategy post-2027
Explain IFRS 17 onerous contract impact on profit
Mitigating agency force decline in key markets
Future recurring buyback determination post-2027?
Plan to grow active agents in Malaysia & Vietnam?
Remaining $0.6B investment: key capabilities & impact?
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Next Prudential earnings date
Q3 20256 Nov, 2025
Next Prudential earnings date
Q3 20256 Nov, 2025
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