The life insurance and capitalization company Assurances Hayett has published its annual indicators for 2025, confirming its upward trajectory in Tunisia’s financial landscape. With net profit exceeding, for the first time, the 10 million dinar mark, the insurer, part of the COMAR group, demonstrates the resilience of its business model.
Sustained commercial growth
Net written premiums rose by 19.5%, increasing from 112.3 to 133.42 million dinars. This strong performance in a competitive Tunisian market was driven by growth in savings collection and increased trust from policyholders. It confirms solid commercial momentum and validates the company’s strategic choices in recent years.
A strong financial engine
Investment income reached 44.78 million dinars, reflecting optimized asset management. Backed by a portfolio exceeding 575 million dinars, mainly composed of bonds and deposits—these financial revenues are the company’s primary source of profitability. In a context of fluctuating interest rates, Hayett has successfully optimized its asset allocation to generate stable returns, while distributing a historic profit-sharing rate of 7%.
Balance sheet strength and solvency
With shareholders’ equity of 61.15 million dinars, up 7.5%, the company maintains a solid balance sheet structure, crucial for meeting solvency margin requirements and financing future technological investments aimed at improving customer experience. Despite the increase in equity, return on equity (ROE) continues to grow, reaching 19%.
Operational efficiency as a profitability driver
Net profit stems from three complementary sources. Technical performance reflects strong control over claims and reduced management costs. This discipline is illustrated by an energy intensity of just 0.036% of revenue. Investment income further boosts profitability as a financial lever, while operational efficiency generates economies of scale, keeping operating expenses under control despite nearly 20% growth in activity, allowing Hayett to convert premiums into net profit more effectively.
Outlook: consolidating leadership
Beyond financial results, Hayett reaffirms its social commitment through continuous investment in staff training. With strengthened equity and a proven business model, the company looks confidently toward 2026, aiming to consolidate its leadership in Tunisia’s life insurance market. It has also unveiled a new logo this year to mark its 40th anniversary, reinforcing this ambition.
ESG indicators: telling figures on sustainability
An analysis of Hayett’s 2025 non-financial indicators highlights internal management quality, operational efficiency, and corporate social responsibility, key aspects increasingly scrutinized by regulators, investors, and ESG rating agencies.
Total energy costs amounted to 48,332 dinars, representing just 0.036% of revenue, an extremely low ratio indicating strong control of fixed costs and a limited carbon footprint. Water consumption figures further confirm the company’s low environmental impact, a positive signal for sustainability reporting.
Absenteeism costs, however, reached 136,601 dinars (0.10% of revenue). This metric reflects workplace climate, workload, and management quality. While still within acceptable levels for the financial services sector, it requires close monitoring amid rapid business growth.
Training investment stands at 372 dinars per employee, or 0.5% of payroll. While this reflects a real commitment to skills development, it remains below international insurance industry standards, typically ranging between 1.5% and 2%.
Taken together, these indicators portray a company that rigorously controls its operating costs but should further strengthen its training efforts to sustain long-term growth. From an ESG perspective, Hayett presents a very favorable environmental profile, with low energy and water intensity offering a competitive advantage as Tunisia moves toward mandatory sustainability reporting by 2026–2027.
