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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.Q2 2025 earnings summary8 Aug, 2025
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).
What drove the 22.3% increase in life income?
How did actions taken improve the loss ratio?
What is the outlook for the insurance business?
How will Sondrio gain impact 2025 dividend payout?
Is increased expense ratio a new baseline?
What asset classes drove strong Life income?
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Q3 20257 Nov, 2025
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Frequently asked questions
Unipol Gruppo S.p.A. is an insurance company based in Italy. Its operations extend across various segments, including insurance, banking, real estate, and other businesses, thereby providing a comprehensive range of products and services. The company's insurance division, through UnipolSai Assicurazioni SpA, delivers both life and non-life insurance policies, including motor vehicle and health insurance, alongside offering bancassurance products. The banking division encompasses traditional banking activities, portfolio management, and investment services. Unipol Gruppo's real estate division is focused on managing real estate assets, while its other businesses span hospitality, healthcare, and agriculture. Unipol Gruppo S.p.A. is headquartered in Bologna, Italy, and its shares are listed on the Italian Stock Exchange.
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