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REVO Insurance (REVO) investor relations material
REVO Insurance H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary7 Aug, 2025
Executive summary
Gross written premiums rose 31% year-over-year to €200.5M, with growth across all business lines and a more diversified product mix.
Adjusted operating profit increased to €25.8M, up 53.8% from the prior year, and adjusted net profit reached €15.0M.
Net profit was €11.3M, up from €9.4M in H1 2024, driven by strong premium growth and portfolio diversification.
Solvency II ratio remained robust at 245.2% as of June 30, 2025, confirming strong capital adequacy.
Board and management changes included the appointment of a new Board and confirmation of the CEO, alongside the launch of the 2026-2028 Business Plan "THE TECHUMAN ERA."
Financial highlights
Insurance revenues rose to €135.2M, a 28.6% increase compared to H1 2024.
Investment income increased to €3.8M, benefiting from higher coupon interest and portfolio diversification.
Operating expenses rose to €5.09M, mainly due to IT investments and a one-time 2025 incentive plan.
Shareholders' equity increased to €253.5M from €244.5M at year-end 2024.
Combined ratio improved to 83.2% from 84.9% in H1 2024.
Outlook and guidance
The 2026-2028 Business Plan focuses on digital transformation, AI integration, and expanding specialty and parametric product portfolios.
Two-thirds of the adjusted operating result for the entire year 2024 was already achieved by mid-2025, supporting the new Industrial Plan.
Continued investment in technology and recruitment of key personnel is planned to support growth.
Broker channel expected to reach 400 collaborations by year-end, supporting future distribution network development.
REVO Iberia is expected to contribute further to premium growth in Spain.
Loss ratio increase vs. COR improvement?
How does the business mix shift affect risk?
Detail IT's role in the 2026-2028 plan.
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