In January-September 2025 the insurance company “Guardian” (Kyiv) has collected UAH 826,5 mln of net insurance premiums, that is by 22,8% more than in the same period of 2024.
It was informed by RA “Expert Rating” in the information on updating of the insurer’s financial stability rating at the level “uaAA” according to the national scale following the results of the analysis of its activity in the reporting period.
The volume of gross premiums received by ALC IC “Guardian” in the 9 months of the year. 2025, has increased by 12,22% up to UAH 863,49 mln in comparison with the volume of gross premiums for the same period of 2024. Insurance payments made by the company for this period, amounted to UAH 315,3 mln, which is by 19,07% less than in 9M. 2024.
The level of indemnities of IC “Guardian” following the results of 9 months of 2025 compared to 9 months of 2024 has decreased by 14,11 p.p. and has amounted to 36,52%.
According to RA data, shareholders’ equity of the company as of September 30, 2025 has grown by 7,42% and has amounted to UAH 356,35 m, gross liabilities have increased by 25,89% to UAH 767,54 m. As a result of higher growth rates of liabilities, the ratio between equity and liabilities has decreased by 7.98 p.p. to 46.43%.
The volume of cash and cash equivalents on the accounts of IC “Guardian” has grown by 33,42% to UAH 191,06 m during the period on the reporting date, and the level of cash coverage of insurer liabilities has shown an increase by 1,40 p.p. to 24,89%.
RA also notes that as of September 30, 2025 the insurer has formed a portfolio of current financial investments in the amount of UAH 153,71 m, which consisted of bonds of internal and external state borrowings. The availability of IC “Guardian” portfolio of investments in government bonds positively influenced its provision with liquid assets, which in aggregate covered 44,92% of insurer liabilities.
It is also noted that according to the results of activity during the first 9 months of 2025 compared to the same period of 2024 the net profit of the company has grown by 86,31% to UAH 6,01 mln, operating profit has amounted to UAH 10,2 mln, while for the same period of 2024 the operating loss has been received.
IC “Guardian” is a member of the Presidium of the League of Insurance Organizations of Ukraine. Since January 2020 it has received the status of a full member of ITSBU, has the right to realize “Green Card” policies.
Related:
