REVO Insurance (REVO) investor relations material

Executive summary

• 2025 was a transition year with a new board, launch of the 2026–2028 Strategic Plan, and focus on technology, AI, and ESG integration.

• Gross written premiums reached €398.1 million, up 28.9% year-over-year, with robust growth across most business lines.

• Adjusted operating result was €48.4 million, adjusted net profit €28.6 million, and net profit €22.4 million, all showing significant improvement.

• Solvency II ratio remained strong at 223.2%, with S&P rating at A- stable and Standard Ethics at EE (Strong).

• Major investments in technology, especially AI and the OverX platform, drove operational efficiency and service quality.

Financial highlights

• Gross premiums reached €398.1 million, up 28.9% year-over-year, exceeding expectations and business plan targets.

• Insurance revenues rose 30.6% to €287.5 million.

• Adjusted operating profit rose 37.7% to €48.4 million; adjusted net profit increased 26.2% to €28.6 million.

• Net profit was €22.4 million, up 20.6% year-over-year.

• Proposed dividend per share of €0.27, up 22.7% from the prior year.

Outlook and guidance

• 2026 premium guidance is €450 million, with adjusted operating result expected at €55 million.

• Combined ratio targeted to fall below 85% by 2028.

• Spain expected to contribute €17–20 million in premiums in 2026, aiming for €50 million by 2028.

• Strategic Plan “THE TECHUMAN ERA” emphasizes technology-driven, human-centric insurance and international expansion.

• Continued focus on omni-channel distribution and further banking agreements.