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AXA/2025/FY/Earnings release: Difference between revisions

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| pages = 20
| source_url = https://www-axa-com.cdn.prismic.io/www-axa-com/aZ_Ib8FoBIGEg123_AXA_PR_20260226.pdf
| summary_md = File:AXA<!-2025-FY ARCHIVE_MD_LINK_HERE -Earnings_release.md->
| intro_sentence = This article summarizes AXA's Earnings release published on 2026-02-26 (20 pages).
| wide = yes
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{| id="t3" class="wikitable fintable"
|+ 3 <nowiki>|</nowiki> Solvency II ratio: (%). [[Definition:Full year 2024|FY24]] vs [[Definition:Full year 2025|FY25]].
|-
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|+ 5 <nowiki>|</nowiki> [[Definition:Property & casualty|Property &amp; Casualty]]: combined ratio and [[Definition:Underlying earnings|underlying earnings]], [[Definition:Full year 2024|FY24]] vs [[Definition:Full year 2025|FY25]].
|-
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{| id="t9" class="wikitable fintable"
|+ 9 <nowiki>|</nowiki> Exchange rates: end of period and average by currency, [[Definition:Full year 2024|FY24]] vs [[Definition:Full year 2025|FY25]].
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! style="text-align:left" | For 1 Euro
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{{chunk|doc=chq99br5nr|c=37|p=12}}
'''Company overviewinformation and legal informationdisclaimers'''
 
* The [[Definition:AXA|AXA Group]] hasis a worldwide leader in insurance with 156,000 employees serving over 92 million clients in 52 countries.
* In 2025, IFRS17 revenues amounted to Euro 115.5 billion and IFRS17 [[Definition:Underlying earnings|underlying earnings]] to Euro 8.4 billion.
* Investor Relations contact: +33.1.40.75.48.42, investor.relations@axa.com.
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* [[Definition:AXA|AXA]]’s American Depository Share is quoted on the OTC QX platform under ticker symbol AXAHY.
* Individual Shareholder Relations contact: +33.1.40.75.48.43.
* Media Relations contactcontacts: +33.1.40.75.46.74, ziad.gebran@axa.com, ahlem.girard@axa.com, sylwia.tulak@axa.com.
* The [[Definition:AXA|AXA Group]] is included in main international SRI indexes, such as Dow Jones Sustainability Index (DJSI) and FTSE4GOOD.
* Corporate Responsibility strategy information is available at axa.com/en/about-us/strategy-commitments.
* [[Definition:AXA|AXA]] is a founding member of the UN Environment Programme’s Finance Initiative (UNEP FI) Principles for Sustainable Insurance and a signatory of the UN Principles for Responsible Investment.
* SRI ratings information is available at axa.com/en/investor/sri-ratings-ethical-indexes.
* This press release and regulated information are available on the [[Definition:AXA|AXA Group]] website (axa.com).
* StatementsCertain statements in the press release are forward-looking, including those regarding expected [[Definition:Underlying earnings per share|underlying earnings per share]] (“[[Definition:Underlying earnings per share|UEPS]]”) growth for [[Definition:Year 2026|2026]], are forward-looking andwhich provide one-off guidance for the last year of the Group’s current strategic plan.▼
* Certain statements in the press release are forward-looking, identified by words like ‘expects’, ‘anticipates’, ‘may’, ‘plan’, or conditional verbs like “would” and “could”.
* Forward-looking statements are basedsubject on Management’s currentto viewsknown and intentions and are subject to change,unknown risks, and uncertainties, many outside [[Definition:AXA|AXA]]’s control, and actual results may differ materially.▼
▲* Statements regarding expected [[Definition:Underlying earnings per share|underlying earnings per share]] (“[[Definition:Underlying earnings per share|UEPS]]”) growth for [[Definition:Year 2026|2026]] are forward-looking and provide one-off guidance for the last year of the Group’s current strategic plan.
* [[Definition:AXA|AXA]] disclaims any obligation to publicly update or revise forward-looking statements, except as required by applicable laws and regulationslaw.▼
▲* Forward-looking statements are based on Management’s current views and intentions and are subject to change, risks, and uncertainties outside [[Definition:AXA|AXA]]’s control.
* The press release refers to non-GAAP financial measures, or(Alternative alternativePerformance performanceMeasures measuresor (“APMs”APMs), used by Management for analyzing operating trends and financial performance.▼
* Undue reliance should not be placed on forward-looking statements, which speak only at the date of the press release.
* These non-GAAP financial measuresAPMs generally have no standardized meaning and may not be comparable to measures used by other companies.▼
* Refer to Part 5 - “Risk Factors and Risk Management” of [[Definition:AXA|AXA]]’s Universal Registration Document for the year ended December 31, 2024, for important factors, risks, and uncertainties.
* Non-GAAP financial measuresAPMs should not be considered in isolation from, or as a substitute for, the Group’s consolidated financial statements prepared in accordance with IFRS.▼
▲* [[Definition:AXA|AXA]] disclaims any obligation to publicly update or revise forward-looking statements, except as required by applicable laws and regulations.
* “"[[Definition:Underlying earnings|Underlying earnings]]”", [[Definition:Underlying earnings per share|UEPS]] (“[[Definition:Underlying earnings per share|underlying earnings per share]]”), “underlying return on equity”, “combined ratio”, and “debt gearing” are APMs as defined in ESMA’s guidelines and the AMF’s related position statement issued in 2015.▼
▲* The press release refers to non-GAAP financial measures, or alternative performance measures (“APMs”), used by Management for analyzing operating trends and financial performance.
* FurtherReconciliations informationof onAPMs non-GAAPto IFRS financial measuresstatements isare availableprovided in the Glossary of [[Definition:AXA|AXA]]’s 2025 Activity Report.▼
▲* These non-GAAP financial measures generally have no standardized meaning and may not be comparable to measures used by other companies.
▲* Non-GAAP financial measures should not be considered in isolation from, or as a substitute for, the Group’s consolidated financial statements prepared in accordance with IFRS.
▲* “[[Definition:Underlying earnings|Underlying earnings]]”, [[Definition:Underlying earnings per share|UEPS]] (“[[Definition:Underlying earnings per share|underlying earnings per share]]”), “underlying return on equity”, “combined ratio”, and “debt gearing” are APMs as defined in ESMA’s guidelines and the AMF’s related position statement issued in 2015.
* [[Definition:AXA|AXA]] provides a reconciliation of APMs to related financial statement items in its Activity Report as of December 31, 2025 (“[[Definition:AXA|AXA]]’s 2025 Activity Report”), under the heading “USE OF NON-GAAP AND ALTERNATIVE PERFORMANCE MEASURES”.
▲* Further information on non-GAAP financial measures is available in the Glossary of [[Definition:AXA|AXA]]’s 2025 Activity Report.
 
== Appendix 1: Gross written premiums et other revenues by geography and business line ==
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{| id="t13" class="wikitable fintable"
|+ 13 <nowiki>|</nowiki> [[Definition:Property & casualty|Property &amp; Casualty]]: Interest Ratesrates (5Y) Forfor the Discounting of [[Definition:Property & casualty|P&amp;C]] Claims Reserves by currency, [[Definition:Full year 2024|FY24]] vs [[Definition:Full year 2025|FY25]].
|-
! style="text-align:left" |
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