Balance Sheet StrengthExtremely low leverage and a solid equity ratio provide durable solvency and capital buffer for an insurer. This reduces refinancing and rating risk, supports underwriting capacity through loss cycles, and allows longer-term asset-liability management without pressuring capital.
Cash GenerationStrong and improving free cash flow indicates the business converts underwriting and investment income into cash, funding dividends, reserve strengthening and business investment. Reliable cash generation is critical for insurers to meet claims and sustain long-term policyholder obligations.
Revenue & Margin ProfileResilient revenue growth and stable profitability margins point to effective pricing, product mix and cost control across life and non-life lines. Consistent margins support reinvestment into distribution and reserves, reinforcing competitive positioning over the medium term.