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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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'''[[Definition:Year 2026|2026]] outlook and strategic plan'''
 
* [[Definition:Underlying earnings per share|Underlying earnings per share]] growth for [[Definition:Year 2026|2026]] is expected to be at the upper end of the 6-8% plan [[Definition:Target range|target range]]{{fn ref|9|2=Expected underlying earnings per share ('UEPS') growth for 2026 is a forward -looking statement to provide one-off guidance in the context of the last year of the Group's current strategic plan and is qualified by the cautionary statements in this press rel ease regarding forward-looking statements.}}.
* The expected impact of Solvency II revision is +17 points{{fn ref|10|2=Estimated based on the Solvency Capital Requirement (SCR) and the amount of capital under Solvency II as of January 1, 2026, as if the Solvency II revision had come into force on the same date.}}.
* [[Definition:AXA|AXA]] will present its new strategic plan for 2027 -2029 on September 21, [[Definition:Year 2026|2026]].
 
{{chunk|doc=chq99br5nr|c=7|p=1}}
'''2025 performance and segment results'''
 
* In 2025, [[Definition:AXA|AXA]] delivered +9% earnings growth in its core businesses, excluding [[Definition:AXA Investment Managers|AXA IM]].
* [[Definition:AXA|AXA]] enhanced reserve prudence following strong performanceresults.
* The [[Definition:Property & casualty|P&C]] franchise posted strong results, balancingcombining a healthy balance between price and volume with highbest-in-class margins, a lower expense ratio, and higher investment income.
* [[Definition:AXA XL|AXA XL]] Insurance increased earnings with stable underlying margins.
* [[Definition:Life & health|Life & Health]] earnings rose by 7%.
** Life businessearnings reflected early benefits of its rejuvenationthe strategy to rejuvenate the business.
** Health earnings grew by 17%, even after absorbing the adverse change on VAT treatment in Mexico.
* Investments in automation and Artificial Intelligence are driving efficiency gains.
* The Solvency II ratio is at a very strong level.
* These results demonstrate the earnings power of [[Definition:AXA|AXA]]'s diversified franchise and reinforce confidence in generating sustainable, long-term value.
* Thomas Buberl, Chief Executive Officer of [[Definition:AXA|AXA]], thanked colleagues, agents, partners, and customers for their commitment and trust.
 
== FY25 key highlights ==
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<div style="overflow-x:auto">
{| id="t1" class="wikitable fintable"
|+ [t. 1] - Key figures – [[Definition:Full year 2025|FY25]] key highlights
|-
! style="text-align:left" | in Euro million
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<div style="overflow-x:auto">
{| id="t2" class="wikitable fintable"
|+ [t. 2]
|-
! style="text-align:left" | in Euro million
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<div style="overflow-x:auto">
{| id="t3" class="wikitable fintable"
|+ [t. 3]
|-
! style="text-align:left" | in Euro million
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<div style="overflow-x:auto">
{| id="t4" class="wikitable fintable"
|+ [t. 4] - Key figures – [[Definition:Property & casualty|Property &amp; Casualty]]
|-
! style="text-align:left" | in Euro billion
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<div style="overflow-x:auto">
{| id="t5" class="wikitable fintable"
|+ [t. 5]
|-
! style="text-align:left" | in Euro million
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<div style="overflow-x:auto">
{| id="t6" class="wikitable fintable"
|+ [t. 6] - Key figures – [[Definition:Life & health|Life &amp; Health]]
|-
! style="text-align:left" | in Euro billion
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<div style="overflow-x:auto">
{| id="t7" class="wikitable fintable"
|+ [t. 7]
|-
! style="text-align:left" | in Euro million
Line 511 ⟶ 515:
<div style="overflow-x:auto">
{| id="t8" class="wikitable"
|+ [t. 8] - Insurer financial strength ratings and [[Definition:AXA|AXA]]'s credit ratings by Agency
|-
! style="text-align:left" | Agency
Line 597 ⟶ 601:
<div style="overflow-x:auto">
{| id="t9" class="wikitable fintable"
|+ [t. 9] - Exchange rates
|-
! style="text-align:left" | For 1 Euro
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<div style="overflow-x:auto">
{| id="t10" class="wikitable fintable"
|+ [t. 10] - [[Definition:Gross written premiums|Gross written premiums]] and [[Definition:Other revenue|other revenues]] by geography and [[Definition:Business mix|business line]]
|-
! style="text-align:left" | In EUR million
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<div style="overflow-x:auto">
{| id="t11" class="wikitable fintable"
|+ [t. 11] - [[Definition:Underlying earnings|Underlying earnings]] by geography and by [[Definition:Business mix|business line]]
|-
! style="text-align:left" | In EUR million
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<div style="overflow-x:auto">
{| id="t12" class="wikitable fintable"
|+ [t. 12] - Total [[Definition:Property & casualty|P&amp;C]] by geography and [[Definition:Business mix|business line]]
|-
! style="text-align:left" | In EUR million
Line 1,023 ⟶ 1,027:
<div style="overflow-x:auto">
{| id="t13" class="wikitable fintable"
|+ [t. 13]
|-
! style="text-align:left" |
Line 1,065 ⟶ 1,070:
<div style="overflow-x:auto">
{| id="t14" class="wikitable fintable"
|+ [t. 14] - [[Definition:Property & casualty|P&amp;C]]: Price effects by country and [[Definition:Business mix|business line]]
|-
! style="text-align:left" | [[Definition:Full year 2025|FY25]] (in %)
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<div style="overflow-x:auto">
{| id="t15" class="wikitable fintable"
|+ [t. 15] - [[Definition:Gross written premiums & other revenues|Gross written premiums &amp; other revenues]] by geography and [[Definition:Business mix|business line]]
|-
! style="text-align:left" | [[Definition:Gross written premiums & other revenues|Gross written premiums &amp; other revenues]] In EUR million
Line 1,259 ⟶ 1,264:
<div style="overflow-x:auto">
{| id="t16" class="wikitable fintable"
|+ [t. 16] - PVEP, NBV, and NBV margin by geography
|-
! style="text-align:left" | Life New Business Metrics [[Definition:Full year 2025|FY25]] In EUR million
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<div style="overflow-x:auto">
{| id="t17" class="wikitable fintable"
|+ [t. 17]
|-
! colspan="4" style="text-align:left" | NB CSM to NBV
Line 1,404 ⟶ 1,410:
<div style="overflow-x:auto">
{| id="t18" class="wikitable fintable"
|+ [t. 18] - Net flows by [[Definition:Business mix|business line]]
|-
! style="text-align:left" | In EUR billion
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