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NN Group N.V Earnings Calls
| Release date | Feb 12, 2026 |
| EPS estimate | 3.35€ |
| EPS actual | 2.84€ |
| EPS Surprise | -15.22% |
| Revenue estimate | 6.182B |
| Revenue actual | 5.735B |
| Revenue Surprise | -7.24% |
| Release date | Aug 08, 2025 |
| EPS estimate | 3.37€ |
| EPS actual | 1.32€ |
| EPS Surprise | -60.83% |
| Revenue estimate | 8.17B |
| Revenue actual | 3.489B |
| Revenue Surprise | -57.30% |
| Release date | May 23, 2025 |
| EPS estimate | - |
| EPS actual | - |
| Revenue estimate | - |
| Revenue actual | - |
| Release date | Feb 20, 2025 |
| EPS estimate | 3.52€ |
| EPS actual | 3.58€ |
| EPS Surprise | 1.70% |
| Revenue estimate | 5.919B |
| Revenue actual | 5.96B |
| Revenue Surprise | 0.699% |
Last 4 Quarters for NN Group N.V
Below you can see how NN.AS performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Feb 20, 2025 |
| Price on release | 47.27€ |
| EPS estimate | 3.52€ |
| EPS actual | 3.58€ |
| EPS surprise | 1.70% |
| Date | Price |
|---|---|
| Feb 14, 2025 | 44.80€ |
| Feb 17, 2025 | 45.00€ |
| Feb 18, 2025 | 45.48€ |
| Feb 19, 2025 | 45.62€ |
| Feb 20, 2025 | 47.27€ |
| Feb 21, 2025 | 46.41€ |
| Feb 24, 2025 | 46.49€ |
| Feb 25, 2025 | 47.36€ |
| Feb 26, 2025 | 48.81€ |
| 4 days before | 5.51% |
| 4 days after | 3.26% |
| On release day | -1.82% |
| Change in period | 8.95% |
| Release date | May 23, 2025 |
| Price on release | 53.60€ |
| EPS estimate | - |
| EPS actual | - |
| Date | Price |
|---|---|
| May 19, 2025 | 54.26€ |
| May 20, 2025 | 55.00€ |
| May 21, 2025 | 54.94€ |
| May 22, 2025 | 54.66€ |
| May 23, 2025 | 53.60€ |
| May 26, 2025 | 53.62€ |
| May 27, 2025 | 53.48€ |
| May 28, 2025 | 54.08€ |
| May 29, 2025 | 54.66€ |
| 4 days before | -1.22% |
| 4 days after | 1.98% |
| On release day | 0.0373% |
| Change in period | 0.737% |
| Release date | Aug 08, 2025 |
| Price on release | 62.48€ |
| EPS estimate | 3.37€ |
| EPS actual | 1.32€ |
| EPS surprise | -60.83% |
| Date | Price |
|---|---|
| Aug 04, 2025 | 58.84€ |
| Aug 05, 2025 | 59.44€ |
| Aug 06, 2025 | 60.38€ |
| Aug 07, 2025 | 60.84€ |
| Aug 08, 2025 | 62.48€ |
| Aug 11, 2025 | 62.04€ |
| Aug 12, 2025 | 60.12€ |
| Aug 13, 2025 | 60.06€ |
| Aug 14, 2025 | 60.52€ |
| 4 days before | 6.19% |
| 4 days after | -3.14% |
| On release day | 0% |
| Change in period | 2.86% |
| Release date | Feb 12, 2026 |
| Price on release | 70.46€ |
| EPS estimate | 3.35€ |
| EPS actual | 2.84€ |
| EPS surprise | -15.22% |
| Date | Price |
|---|---|
| Feb 06, 2026 | 68.52€ |
| Feb 09, 2026 | 69.02€ |
| Feb 10, 2026 | 68.32€ |
| Feb 11, 2026 | 68.90€ |
| Feb 12, 2026 | 70.46€ |
| Feb 13, 2026 | 67.98€ |
| Feb 16, 2026 | 68.26€ |
| Feb 17, 2026 | 68.68€ |
| Feb 18, 2026 | 69.00€ |
| 4 days before | 2.83% |
| 4 days after | -2.07% |
| On release day | -3.52% |
| Change in period | 0.701% |
NN Group N.V Earnings Call Transcript Summary of Q4 2025
Key investor takeaways:
- Strong 2025 financials: Operating Capital Generation (OCG) of EUR 2.1bn (above the EUR 1.9bn target) and free cash flow slightly above the EUR 1.6bn target (both up ~7–9% YoY). Solvency II ratio strengthened to c.220% with improved quality of capital.
- Enhanced shareholder returns: management announced an incremental EUR 100m of capital return split evenly between a EUR 50m step-up in the annual buyback (annual buyback raised to EUR 350m) and a EUR 50m one-off/step-up to the dividend, raising DPS by 13% to EUR 3.88. Group states continued preference for small, recurring returns rather than lumpy one-offs.
- Commercial momentum in growth segments: Insurance Europe VNB +16% YoY; Japan VNB +25% YoY (strong sales recovery, new product launches planned); Netherlands Non-life gross written premium +6% (surpassed EUR 4bn) with combined ratio ~92.9% (P&C 90.3%). Netherlands Life saw increased DC inflows (EUR 2.6bn) and continued focus on immediate annuities (gross inflows ~EUR 0.8bn in 2025; 10–15% CAGR expected to 2030).
- Future Ready / AI progress: 236 AI use cases in place; 42% of sales from digital leads; ~40% of the EUR 200m annual benefit target (by 2027) already realized in run-rate by end-2025. Highlighted use cases include straight-through third-party car liability claims processing (minutes vs days), AI avatars for agent training (improved conversion), and AIReply for automated high-quality email responses.
- Capital & cash framework: reiteration of 3-pillar capital framework (SII comfort zone 150–200%, holding cash EUR 0.5–1.5bn, single A rating target). Management says solvency is sustainably above 200% and the binding constraint for incremental capital returns has shifted from solvency to holding-company cash. They disclosed a plan not to refinance a EUR 600m legacy senior bond maturing in 2027 and expect ~EUR 500m of residual excess cash potential for 2025–28 after planned returns and deleveraging.
- 2026 outlook & 2028 ambitions: 2026 guidance expects flat reported OCG as non-structural positives in 2025 unwind but underlying growth continues; reaffirmed 2028 targets (OCG ~EUR 2.2bn, free cash flow >EUR 1.8bn, continued DPS growth ~7% p.a. implied on current market cap).
