4 out of 10 insurance CFOs anticipate earnings remaining steady

A recent survey conducted by Moody’s indicated that the primary concerns of insurance chief financial officers (CFOs) are centered around low economic growth, competitive pressures, and geopolitical risks within the European insurance realm. The survey, encompassing 22 European insurers, was carried out at the outset of 2025 and highlighted the prevailing apprehensions and challenges faced by CFOs. Notably, close to eighty percent of CFOs identified subdued economic growth as their paramount concern in the sector.

The findings of the survey shed light on the evolving landscape of the insurance industry, with CFOs drawing attention to the disruptive impacts of low economic growth, intense competition, and political uncertainties. These CFOs occupying pivotal roles, are instrumental in managing the financial facets of their respective companies, making critical decisions that shape the future trajectory of insurance firms. Against the backdrop of economic slowdown and escalating competition, CFOs are compelled to navigate through a complex maze of challenges, striving to ensure financial resilience and sustainable growth.

Furthermore, the imminent disruptions caused by economic sluggishness are magnified by competitive pressures that compel insurers to innovate and adapt swiftly. The relentless pursuit of competitive advantage in a fiercely contested market landscape necessitates CFOs to devise astute financial strategies that fortify the market position of their companies. Simultaneously, the looming geopolitical risks add an additional layer of complexity to the strategic decision-making process, urging CFOs to adopt a proactive approach to risk management.

The survey underscores the pivotal role played by CFOs in shaping the financial resilience and competitive edge of insurers amidst a backdrop of market volatility and disruptions. As they grapple with the challenges posed by economic uncertainties, cut-throat competition, and geopolitical risks, CFOs are tasked with driving financial performance and sustainability. Hence, CFOs must exhibit strategic acumen and financial prowess to steer their companies through turbulent times, safeguarding their financial health and fortifying their competitive positioning. The evolving landscape of the insurance industry calls for CFOs to navigate through a complex web of challenges, leveraging their financial expertise to craft resilient strategies that propel their companies towards sustainable growth and profitability.