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FWD Group's Strong Business Growth and Financial Strategy FAQ
TL;DR
FWD Group's debt reduction and 37% sales growth provide investors with stronger financial positioning and competitive advantage in Asian markets.
FWD Group refinanced $1.15 billion of debt, redeemed $500 million using IPO proceeds, reducing leverage to 21.8% and cutting annual financing costs by $72 million.
FWD Group's 40 new protection, health, and savings products better serve 34 million customers across Asia, improving financial security and well-being.
FWD Group achieved 37% sales growth while operating across 10 diverse Asian markets from Hong Kong to Indonesia and Japan.
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FWD Group reported new business sales of US$1.935 billion, up 37% year-over-year on an APE basis, and new business contractual service margin of US$1.158 billion, representing 27% year-on-year growth.
The company refinanced US$1.15 billion of debt in September and redeemed US$500 million of debt using recent IPO proceeds, reducing leverage to 21.8% and lowering annualized financing costs by approximately US$72 million.
Exceptional demand in Hong Kong SAR & Macau SAR, strong double-digit growth in Singapore, Malaysia, the Philippines, and Indonesia (through BRI Life joint venture), and solid performance in Japan's individual protection and retirement/savings markets drove the growth.
FWD Group seized a window in debt markets for refinancing, utilized IPO proceeds to reduce debt, and introduced over 40 new products in 2025 to respond to evolving customer needs for protection, health, and savings.
Huynh Thanh Phong, Group Chief Executive Officer and Executive Director, stated that the strong results were powered by organic growth across most Asian markets and that the reduced financing costs and leverage position FWD Group to accelerate customer-led growth strategy.
The low-interest rate environment continued to weigh on new business indicators in the Thailand & Cambodia reporting segment, though this was offset by strong performance in other markets.
FWD Group employs a customer-led and tech-enabled approach to deliver innovative propositions, easy-to-understand products, and simpler insurance experiences with a vision of changing how people feel about insurance across 10 Asian markets.
The 27% growth in new business contractual service margin to US$1.158 billion strengthens FWD Group's CSM balance and boosts earnings over time, representing value creation for shareholders according to the CEO.
The results were announced on November 2, 2025, and cover the nine-month period ended September 30, 2025, with comparisons made to the same period in 2024.
Curated from NewMediaWire
