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MLP SE Investor Presentation 2025
289_rns_2025-11-13_75767c43-466f-4209-892e-8231073164c8.pdf
Investor Presentation
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Business figures 9M/Q3 2025
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Highlights 9M 2025
- MLP consistently continues its growth path in the consulting business
- Record highs in total revenue (€773 million) thanks to broad and stable positioning
- Record highs in key figures for future revenue development: Assets under management (€64.2 billion) and non-life insurance premium volume (€794 million)
- Adjusted forecast for 2025: EBIT of €90 to €100 million before possible one-off effects from the focussing of the real estate business
- Increased planning for 2028: Significant growth to EBIT of €140 to €155 million
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Agenda Business figures 9M/Q3 2025
1 | BUSINESS PERFORMANCE 9M/Q3 2025
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Total revenue reaches new record high
Recurring revenue
Proportion of sales revenue, Dec 31, 2024
**68 %**of the sales revenue in 2024 were recurring
* Compound annual growth rate (period 9M 2020 – 9M 2025)
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Broad and stable positioning across competence fields
Sales revenue breakdown into competence fields
€ million, Sep 30, previous year's values in brackets
| Wealth | 372 | (381) | -2 % |
|---|---|---|---|
| Wealth management | 277 | (281) | -1 % |
| Interest income | 59 | (69) | -14 % |
| Real estate brokerage | 25 | (21) | +16 % |
| Loans and mortgages | 11 | (10) | +14 % |
| Others | 6 | (8) | -24 % |
|---|---|---|---|
| Real estate development | 0 | (3) | -98 % |
| Other commissions and fees | 6 | (6) | +13 % |
| Life & Health | 199 | (192) | +4 % |
|---|---|---|---|
| Old-age provision | 146 | (145) | +1 % |
| Health insurance | 52 | (47) | +12 % |
| Property & Casualty | 177 | (165) | +7 % |
|---|---|---|---|
| Non-life insurance | 177 | (165) | +7 % |
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Key figures reach new record highs
* Contains wealth management and interest income
** Compound annual growth rate (period FY 2020 – 9M 2025)
*** As from 2021 incl. first-time consolidation of the companies in the Industrial Broker segment; also including RVM with effect from April 1, 2021
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Development of client numbers
Family clients thousands, Dec 31 and Sep 30 respectively
Corporate and institutional clients
thousands, Dec 31 and Sep 30 respectively
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EBIT at €61.1 million
| Income statement | Balance sheet figures | |||
|---|---|---|---|---|
| MLP Group (€ million) | 9M 2025 | 9M 2024 | △ | |
| Total revenue | 773.1 | 763.3 | +1 % | |
| EBIT | 61.1 | 66.4 | -8 % | |
| Financial result | -1.7 | 4.7 | -136 % | |
| EBT | 59.4 | 71.1 | -17 % | |
| Income taxes | -14.8 | -23.1 | -36 % | |
| Net profit | 44.6 | 48.1 | -7 % | |
| EPS in Euro | 0.41 | 0.44 | -8 % |
| MLP Group | Sep 30, 2025 |
|---|---|
| Balance sheet total | €4,140 million |
| Shareholders' equity | €577 million |
| Equity ratio | 13.9 % |
| Return on equity | 7.8 % |
| MLP Financial holding group | Sep 30, 2025 |
| Core capital ratio | 17.9 % |
| Liquidity Coverage Ratio (LCR) | 1,124 % |
Detailed information can be found on our website: https://mlp-se.com/corporate-calendar/results-for-the-first-nine-months-and-the-third-quarter-2025/ Definitions of key figures can be found on our website: https://mlp-se.com/investors/mlp-share/key-figures/
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Agenda Business figures 9M/Q3 2025
2 | FORECAST 2025 AND PLANNING 2028
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Forecast 2025: Adjustment of expected EBIT range
Sales revenue
very positive: ++, positive: +, neutral: 0, negative: -, very negative: --
Forecast includes only a small amount of performance-based compensation Initial EBIT forecast for 2025 was €100-110 million
EBIT € million, Dec 31
*EBIT forecast for 2025 of €90-100 million before possible negative one-off effects from the business focussing at Group company Deutschland.Immobilien. These effects cannot yet be reliably quantified, but should not exceed €12 million in terms of EBIT and might also even have an impact on EBIT of the financial year 2025.
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Planning 2028: Increased EBIT range of €140-155 million
Non-life insurance premium volume € million, Dec 31
Planning includes only a small amount of performance-based compensation
Initial EBIT planning for 2028 was €140-150 million
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+ Unlocking potential in the corporate client business through the extensive MLP network
+ Expansion of non-life insurance premium volume to €1.0 – 1.1 billion
- + Unlocking potential in the family client business, as well as among high net worth individuals and institutional clients
- + Expansion of assets under management to €75 – 81 billion
EBIT €140 – €155 million Total revenue €1.3 – 1.4 billion
- + Digitalisation strategy
- + Cost efficiency
- + Demographic development is increasing the need for advisory services in the family client business Life & Health & Casualty
- + Shortage of skilled specialists is driving demand for corporate benefits (including occupational health insurance and occupational pension provision) in the corporate client business
Forecast 2025 EBIT €90 – 100 million
Property
Planning
2028
Wealth
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Agenda Business figures 9M/Q3 2025
3 | SUMMARY AND QUESTIONS
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Summary
- Strategic positioning has once again proven its worth particularly in the absence of tailwinds from the markets and when processing one-off effects
- Artificial Intelligence, as part of our digital strategy, is an additional efficiency and growth factor
- Increased mid-term planning for the end of 2028 emphasises sustainable growth path
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We are happy to answer any questions you may have Your contact
Pascal Löcher
Head of Investor Relations Phone +49 (0)6222 • 308 • 3559 E-mail [email protected]
Simon Knaack
Manager Investor Relations Phone +49 (0)6222 • 308 • 2715 E-mail [email protected]
Tobias Wolf
Manager Investor Relations Phone +49 (0)6222 • 308 • 4337
Details on upcoming events can be found on our website: https://mlp-se.com/investors/financial-calendar/
