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Topdanmark (TOP) investor relations material
Topdanmark Q2 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2024 earnings summary12 Jul, 2024
Executive summary
H1 2024 profit after tax was DKK 488m, down from DKK 633m in H1 2023, mainly due to DKK 195m one-off costs from the Nordea IT separation and Sampo transaction.
Organic insurance revenue growth was 5.0% in H1 2024, with continued pricing effects and stronger net customer inflow.
Sampo made a recommended public tender offer, valuing the company at DKK 33bn, with all regulatory approvals obtained.
Strong investment result and efficiency gains contributed to an 8% increase in profit from continuing operations year-over-year.
Improved retention and pricing actions supported performance.
Financial highlights
H1 2024 insurance revenue: DKK 5,653m (H1 2023: DKK 5,015m); organic growth 5.0–5.8%.
H1 2024 profit after tax: DKK 488m (H1 2023: DKK 633m); Q2 profit beat consensus by 6%.
Combined ratio H1 2024: 85.4 (H1 2023: 82.9); Q2 2024: 86.0 (Q2 2023: 82.3).
Net investment result improved to DKK 244m in H1 2024 from DKK 24m in H1 2023.
Solvency cover at 30 June 2024: 215%, up from 193% at year-end 2023.
Outlook and guidance
2024 profit after tax forecast adjusted to DKK 950–1,175m, reflecting one-off costs.
Organic insurance revenue growth for 2024 expected around 6%.
Combined ratio for 2024 narrowed to 83–85% including run-off; expense ratio expected below 17%.
Ongoing pricing measures to offset motor claims inflation, with full effect in 12–18 months.
Operational EPS for 2024 forecasted at DKK 14.6–16.8.
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Frequently asked questions
Topdanmark is a Danish insurance company that provides a wide range of life and non-life insurance products. The company offers coverage solutions for individuals, businesses, and agricultural sectors, including products such as health, home, car, and life insurance, as well as pension plans. In the non-life insurance segment, Topdanmark provides tailored solutions for property, liability, and motor insurance, while its life insurance division focuses on personal risk coverage and retirement savings. The company is headquartered in Ballerup, Denmark, and its shares are listed on the Nasdaq Copenhagen.
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