Administradora de Fondos de Pensiones Habitat (HABITAT) Q3 2025 earnings summary

Executive summary

• Net profit for January–September 2025 reached CLP 134,249 million, up 13.8% year-over-year, driven by higher returns on pension fund reserves and increased commission income from mandatory contributions.

• Ordinary/operating revenues rose 5.0% year-over-year to CLP 196,497 million, mainly from higher fees on mandatory savings, APV, CAV, and pensions.

• Market share in total assets under management reached 27.0%, maintaining industry leadership.

• Operating expenses increased, mainly due to higher employee and administrative costs.

• Maintained leadership in profitability and managed assets.

Financial highlights

• Total assets under management grew 11.9% year-over-year to CLP 57,580,706 million.

• EBITDA increased 12.1% to CLP 194,776 million; EBITDAR remained stable.

• Obligatory reserve profitability surged 43.1% to CLP 69,706 million.

• Average base/taxable salary for contributors increased 7.8% year-over-year to CLP 1,587,273.

• Market cap rose 50.4% to $1.93 billion USD as of September 2025.

Outlook and guidance

• Maintained leading market share in AUM and contributors, positioning for continued growth.

• Positive returns expected across all multi-funds, with riskier funds benefiting from global equity rebounds and conservative funds supported by fixed income.

• Continued focus on digital innovation and social initiatives for older adults.