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Unipol (UNI) investor relations material
Unipol Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Consolidated net profit reached €622m, up 12.1% year-over-year; Insurance Group net result was €740m, up 30.2%.
Direct insurance premiums grew 12.3% to €9,171m, with Life up 22.3% and Non-Life up 4.5%.
Combined ratio improved to 92.7% from 93.1% in H1 2024, reflecting better technical performance.
Solvency ratios remained robust at 222% (consolidated) and 286% (Insurance Group).
New 2025-2027 strategic plan targets €3.8bn cumulative net profit and €2.2bn dividends.
Financial highlights
Pre-tax total result reached €988m, up from €770m in 1H24.
Net financial result for H1 2025 was €462m.
Gross return on financial investments was 5.2%, with 4.5% from coupons/dividends.
Group equity stood at €9,689m at 1H25, up from €9,628m at FY24.
Basic and diluted EPS for H1 2025 was €0.82, up from €0.71 in H1 2024.
Outlook and guidance
Business trends in July remain regular; strategic plan actions are underway and expected to generate effects in coming quarters.
Management remains cautious on forecasting full-year results due to market uncertainties.
Solvency ratios are net of approved/estimated dividends; estimates are not an indication of the actual FY25 dividend.
Dividend payout for 2025 may include extraordinary gains, but these are not considered repeatable.
Next results reporting scheduled for 7 November 2025 (9M25 results).
Next Unipol earnings date

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