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Zavarovalnica Triglav d.d.
Zavarovalnica Triglav d.d. (ZVTG) investor relations material
Zavarovalnica Triglav d.d. Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary21 Aug, 2026
Executive summary
Total business volume rose 13% year-over-year to EUR 1,198.7 million, with premium growth across all regional markets and strongest gains in Italy.
Earnings before tax reached EUR 105.2 million, down 4% from H1 2025; net earnings were EUR 85.7 million, down 6%.
Combined ratio increased to 93.9% from 88.2% due to higher claims, especially from natural CAT events.
Over half of business volume now comes from outside Slovenia, supporting strategic internationalisation and diversification.
Net investment result increased 40% year-on-year, aided by strong financial markets and higher assets under management.
Financial highlights
Gross written premium grew 13% to EUR 1,155.1 million.
Net investment result improved 40% to EUR 28.7 million.
Claims incurred rose 79% to EUR 662.0 million, driven by higher natural CAT claims.
Annualised ROE was 16.5%, down from 19.2% year-over-year.
Assets under management increased 8% to EUR 6.8 billion.
Outlook and guidance
Full-year 2026 earnings before tax expected in the EUR 170–190 million range.
Combined ratio targeted at around 95% for 2026 and below 95% through 2030.
Strategic ambitions for 2030 include doubling profit, business volume >EUR 4.8 billion, and AuM >EUR 10 billion.
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Latest events from Zavarovalnica Triglav d.d.
- Q1 2025 delivered 25% EBT growth, strong segment results, and a 60% higher dividend proposal.ZVTG
Q1 2025 - 2024 saw record EBT, strong segment results, and a positive outlook for growth and profitability.ZVTGQ4 2024
- Business volume up 36% YoY, profit guidance raised, and international growth accelerates.ZVTGQ3 2025
- H1 2024 EBT reached EUR 89.5m, with strong Non-Life, improved investments, and a 90.6% combined ratio.ZVTGQ2 2024
- EBT up 9% YoY to €174.1M, with 49% business volume growth and robust financial stability.ZVTGQ4 2025
- Q1 2026 saw 14% business growth, resilient earnings, and a 7% higher dividend proposal.ZVTGQ1 2026
- EBT rose to €124.7M in 9M 2024, with upgraded guidance and strong capitalisation.ZVTGQ3 2024
- Earnings before tax up 22%, profit guidance raised, and credit rating upgraded.ZVTGQ2 2025
Next Zavarovalnica Triglav d.d. earnings date
Q3 202618 Nov, 2026
Zavarovalnica Triglav d.d.
Next Zavarovalnica Triglav d.d. earnings date
Q3 202618 Nov, 2026
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Frequently asked questions
Zavarovalnica Triglav d.d is a Slovenian multinational insurance company. It primarily focuses on insurance, reinsurance, and asset management. Its one of the largest insurers in Slovenia, it also extends its operations across Croatia, Bosnia and Herzegovina, Serbia, Montenegro, and North Macedonia. This reach is supported by a diverse portfolio of subsidiaries The company is headquartered in Ljubljana, Slovenia, and its shares are listed on the Ljubljana Stock Exchange.