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REVO Insurance (REVO) investor relations material
REVO Insurance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Gross written premiums reached €280.7 million, up 29.4% year-over-year, with strong technical profitability and growth across most business lines.
Adjusted operating profit rose to €41.2 million and adjusted net profit to €24.2 million, both significantly higher than the prior year.
Strategic initiatives included expansion in the Specialty segment, launch of the Energy line, and entry into the Bancassurance channel.
Continued investment in AI and digital platforms, notably the OverX and Luminate systems, to drive operational efficiency.
Financial highlights
Revenues from insurance contracts were €210.7 million, up from €161.3 million year-over-year.
IFRS 17 combined ratio improved to 83.4% from 84.9% in Q3 2024, reflecting enhanced cost control.
Net financial result was €4.1 million, with a positive investment portfolio contribution of €6.4 million.
Group shareholders' equity increased to €260.8 million from €244.5 million at year-end 2024.
One-off tax effect of €1.3 million related to the LTIP Plan impacted results.
Outlook and guidance
Full-year production and profitability expectations confirmed, including for the Iberia branch.
Q4 will focus on further development of operating and distribution infrastructure and continued growth in Spain.
Impact of Mangrovia write-down on tech strategy?
Outlook for new Bancassurance and Spain initiatives?
How to balance cost ratio gains vs reinsurance?
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Next REVO Insurance earnings date
H2 202527 Mar, 2026
Next REVO Insurance earnings date
H2 202527 Mar, 2026
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