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Línea Directa Aseguradora (LDA) investor relations material
Línea Directa Aseguradora Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Gross written premiums reached €844 million for the first nine months of 2025, up 11.4% year-over-year, with strong growth in motor (+11.8%), home (+7.3%), and health (+13.9%).
Net profit for the period was €59.7 million, up 46.4% year-over-year, driven by revenue and customer growth.
Customer portfolio expanded by 8.1% to 3.65 million policyholders, with over 274,000 new risks underwritten.
Combined ratio improved to 93.4%, down 2.0 percentage points year-over-year, reflecting efficiency gains and prudent underwriting.
Return on equity stood at 22.3%.
Financial highlights
Technical insurance result increased by 55.4% to €51.0 million.
Investment result grew 18.9% to €32.0 million, driven by higher income from bonds, equities, and investment fund revaluation.
Profit before tax was €79.3 million, up 48.1% year-over-year.
Loss ratio improved by 1.1 percentage points to 72.3%; expense ratio decreased by 0.9 percentage points to 21.1%.
Solvency II ratio stood at 189% at the end of September 2025.
Outlook and guidance
Expectation to maintain combined ratio in the mid-90s for the year, with a target of 94-95% as a normalized level.
Premiums will continue to be adjusted in line with CPI increases.
Anticipation of continued above-market growth in client acquisition and gross written premiums.
Second dividend announcement expected before year-end, subject to board approval.
Management highlights continued focus on growth, efficiency, and profitability, aiming to achieve strategic priorities.
Future contribution of Other Products segment
Drivers of improved loss ratio despite Motor severity?
Sustaining 8%+ customer growth rate drivers?
Motor combined ratio outlook for Q4?
Digital channel impact on underwriting risk?
Solvency ratio volatility and future outlook?
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Next Línea Directa Aseguradora earnings date
Q4 202529 Jan, 2026
Next Línea Directa Aseguradora earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Línea Directa Aseguradora, S.A., Compañía de Seguros y Reaseguros is a Spain-based company specializing in insurance and reinsurance services. It operates primarily in the motor, home, and health insurance sectors under various brands, including Línea Directa, Penelope Seguros, Aprecio, and Vivaz Seguros. The company offers a wide range of products, such as car, motorbike, home, and health insurance, with additional services like vehicle inspection, roadside assistance, and claims management. Its distribution model focuses on direct sales through telephone and online channels. The company is headquartered in Tres Cantos, Spain, and its shares are listed on the BME.
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