AXA/2025/FY/Earnings presentation (press): Difference between revisions

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* REVENUES
* {{t|€116€116bn|p1abw4-yxjw}}bn
* {{t|+6%|p1abw4-yutx}} vs {{t|FY24|p1abw4-ndok|Full year 2024}}
* {{t|UNDERLYING EARNINGS||Underlying earnings}}
* {{t|€8.44bn|p1abw4-oasi}}bn
* {{t|+6%|p1abw4-xtf8}} vs {{t|FY24|p1abw4-3bra|Full year 2024}}
* {{t|+9%|p1abw4-z72l}} Excl. {{t|AXA IM|p1abw4-9cne|AXA Investment Managers}}
* {{t|UEPS|p1abw4-5ldr|Underlying earnings per share}}
* {{t|€3.86|p1abw4-l996}}
Line 68:
* SOLVENCY II RATIO
* {{t|224%|p1abw4-ts7x}}
* {{t|+9pts|p1abw4-t41o}} {{t|FY25|p1abw4-f4de|Full year 2025}}
 
{{fn note|1=1|2=See glossary for terminologies and footnotes on page 36 & 37 of this document.}}
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! style="text-align:right" | COMBINED RATIO
|-
| style="text-align:left" | {{t|P&;;C|p1abw4-b57v|Property & casualty}}
| style="text-align:left" | {{t|€58.0bn|p1abw4-jqov}} <br/> {{t|+5%|p1abw4-pawh}} vs {{t|FY24||Full year 2024}}
| style="text-align:right" | {{t|€5.9bn|p1abw4-1m4z}} <br/> {{t|+9%|p1abw4-0iy6}} vs {{t|FY24||Full year 2024}}
| style="text-align:right" | {{t|90.6%|p1abw4-v9el}} <br/> vs {{t|91.0%|p1abw4-dwya}} {{t|FY24||Full year 2024}}
|-
| style="text-align:left" | LIFE
Line 97:
| style="text-align:left" | {{t|€19.0bn|p1abw4-okof}} <br/> {{t|+5%|p1abw4-bxk2}} vs {{t|FY24||Full year 2024}}
| style="text-align:right" | {{t|€0.8bn|p1abw4-xr40}} <br/> {{t|+17%|p1abw4-4l05}} vs {{t|FY24||Full year 2024}}
| style="text-align:right" | {{t|97.9%|p1abw4-w1gu}} <br/> vs {{t|98.1%|p1abw4-mae8}} {{t|FY24||Full year 2024}}
|}
</div>
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'''Customers'''
* More than {{t|€49€49bn|p1abw4-sp63}}bn in claims paid
* {{t|€438€438m|p1abw4-a069}}m climate related claims in France
 
'''Economy'''
* More than {{t|€40€40bn|p1abw4-astb}}bn invested in the economy
* {{t|€12.88bn|p1abw4-mdil}}bn{{fn ref|1|2=€12.8bn of tax and social contributions paid}} of tax and social contributions paid, of which {{t|36.7%|p1abw4-zfkw}} in France
* Launch of {{t|AXA|p1abw4-x72v|AXA}} Foundation for Human Progress with {{t|€60m/year|p1abw4-6jwz}} endowed by {{t|AXA|p1abw4-dirj|AXA}} Mutuelles d’Assurances and {{t|AXA Group|p1abw4-klo5|AXA}}
 
'''Employees'''
* {{t|€7€7bn|p1abw4-n0oi}}bn total compensation paid to our employees
* {{t|15,115|p1abw4-7vdu}} recruitments worldwide (*excl. short-term contracts and trainees*) including {{t|2,138|p1abw4-f1b9}} in France
* More than {{t|36%|p1abw4-wgww}} of employees are {{t|AXA|p1abw4-pt7c|AXA}} shareholders and hold {{t|4.82%|p1abw4-gq00}} of the capital and {{t|6.61%|p1abw4-q60s}} of its voting rights
 
'''Climate transition'''
* {{t|€4.66bn|p1abw4-7z3z}}bn in premiums related to transition with a target of {{t|€6€6bn|p1abw4-uur8}}bn cumulated between {{t|2024|p1abw4-5fmw}} and {{t|2026|p1abw4-723n|Year 2026}}{{fn ref|2|2=target of €6bn cumulated between 2024 and 2026}}
* {{t|€6.44bn|p1abw4-2akx}}bn in investments to accelerate climate transition with a target of {{t|€5€5bn|p1abw4-pu7f}}bn annually{{fn ref|3|2=target of €5bn annually}}
 
{{fn note|1=1|2=€12.8bn of tax and social contributions paid}}
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=== P&C – Strong margins, confidence in sustaining growth ===
 
* {{t|€58€58bn|p1abw4-2b31}}bn {{t|GWP|p1abw4-07ne|Gross written premiums}}
* Retail
* SME & Mid-market
* {{t|AXA XL|p1abw4-6wor|AXA XL}}{{fn ref|2|2=AXA XL includes AXA XL Insurance and AXA XL Reinsurance}} (Large & Specialty)
* {{t|UNDERLYING EARNINGS|p1abw4-un4a|Underlying earnings}} {{t|+9%|p1abw4-exy4}}{{fn ref|1|2=Underlying earnings growth}} to {{t|€5.99bn|p1abw4-j3vo}}bn
 
<div style="overflow-x:auto">
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=== Life & Health – Good momentum, well positioned to capture growth opportunities ===
 
* {{t|€57€57bn|p1abw4-3iqs}}bn {{t|GWP|p1abw4-971o|Gross written premiums}}
* {{t|GWP|p1abw4-971o|Gross written premiums}} mix: Health, Protection, G/A Savings — shares not printed
* {{t|UNDERLYING EARNINGS||Underlying earnings}} {{t|+7%|p1abw4-ld81}}{{fn ref|1|2=See glossary for terminologies and footnotes on page 36 & 37 of this document.}} to {{t|€3.55bn|p1abw4-x68g}}bn
 
'''Health'''
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'''Retail lines'''
* Favorable pricing trends and strong growth in net new contracts ({{t|+1.77m|p1abw4-vvry}}m in {{t|FY25|p1abw4-h7vb|Full year 2025}})
 
<div class="ed-fn-notes" style="display:none">
Line 494:
 
* Net Flows vs {{t|FY24|}}
* {{t|€+5.44bn|p1abw4-cocg}}bn vs {{t|€+1.55bn|p1abw4-sgh7}}bn in {{t|FY24|p1abw4-votc|Full year 2024}}
 
{{chunk|doc=p1abw4|c=20|p=20}}
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! class="col-s" style="text-align:right" | Change
|-
| style="text-align:left" | {{t|Property &amp;;; Casualty|p1abw4-6pya|Property & casualty}}
| style="text-align:right" | {{t|5.5|p1abw4-2ag0}}
| style="text-align:right" | {{t|5.9|p1abw4-jzfe}}
| style="text-align:right" | {{t|+9%|p1abw4-5gmn}}
|-
| style="text-align:left" | {{t|Life &amp;;; Health|p1abw4-6pmh|Life & health}}
| style="text-align:right" | {{t|3.3|p1abw4-ij5y}}
| style="text-align:right" | {{t|3.5|p1abw4-q3s6}}
Line 847:
* {{t|33,000|p1abw4-d1yd}} people working for {{t|AXA|p1abw4-xjjx|AXA}} in France
* {{t|>€10bn|p1abw4-q4y4}} invested in the economy
* {{t|€37€37m|p1abw4-xvfc}}m claims paid per day on average
 
{{chunk|doc=p1abw4|c=26|p=26}}
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'''REVENUES'''
* {{t|€31€31bn|p1abw4-ryoe}}bn {{t|+6%|p1abw4-7pby}} vs. {{t|FY24|p1abw4-vwzt|Full year 2024}}
* {{t|P&C|p1abw4-76we|Property & casualty}} {{t|+7%|}}
* Health & Protection {{t|+4%|p1abw4-2ino}}
Line 860:
'''KEY TAKEAWAYS'''
* Additional new distributors {{t|+430|p1abw4-8g1q}} nouveaux distributeurs
* Additional contracts{{fn ref|1|2=See glossary for terminologies and footnotes on page 36 & 37 of this document.}} {{t|+550550k|p1abw4-xv9t}}k net
* Additional clients{{fn ref|1|2=See glossary for terminologies and footnotes on page 36 & 37 of this document.}} {{t|+250250k|p1abw4-oq7f}}k net
* Growth of individuals savings assets {{t|€+3.33bn|p1abw4-c8vs}}bn
 
<div style="overflow-x:auto">
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| style="text-align:right" | {{t|2.1|p1abw4-mxrv}}
| style="text-align:right" | {{t|2.2|p1abw4-8rfo}}
| style="text-align:right" | {{t|+7%|p1abw4-akud}}
|}
</div>
Line 947:
 
'''S&P Global'''
* {{t|2025|p1abw4-bzki}} percentile: {{t|9797th|p1abw4-pynb}}th{{fn ref|1}} in Dow Jones Best-in-Class Europe & World indices
 
'''MSCI'''
Line 1,007:
 
* {{t|1|}}. Change {{t|FY25|}} vs. {{t|FY24|}} at constant fx.
* {{t|2|p1abw4-vjoz}}. Includes {{t|AXA XL|p1abw4-s4u5|AXA XL}} Re premiums of {{t|€2.66bn|p1abw4-g38y}}bn.
 
* {{t|1|}}. Change {{t|FY25|}} vs {{t|FY24|}} at constant fx.