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Cardif

BNP Paribas groupHungarybnpparibascardif.hu ↗#21 of 25 in Hungary, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
MABISZ quarterly report; lines, solvency and claims from each insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for HungaryWhat changed

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Premium
€22m
0.4% of Hungary
Growth
+8.5%
FY 2025 vs 2024, in HUF · market +14.9%
Life share
0%
of own premium
Capital cover
194%
SCR ratio · €17m held vs €8.8m required
Claims and costs
91%
combined ratio after reinsurance · gross 91% · market 87%
In shortNumber 21 of 25 in Hungary with 0.4% of premium, growing slower than the market. Strongest in Other non-life, with 5.6% of the line. Its non-life business made money on underwriting, with a combined ratio of 91% after reinsurance against 87% for the market. It holds 1.9 times the capital it must hold.

Latest resultsH1 2026, year to date: €13m of premium, +10.4% on H1 2025 (market +2.6%); share 0.4% (±0.0 pp), #21 of 25. More

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Cardif's line mix, and where it stands among the 25 insurers in Hungary on each measure, FY 2025.

Line mix
Health54%
Other non-life30%
Property14%
Accident1%
Size#21 of 25 by premium
€22m
larger than 17%median €107m
GrowthFY 2025 against 2024, in HUF
+8.5%
ahead of 38%median +10.5%
Claims and costsnon-life combined ratio, after reinsurance
91%
better than 50%median 91%
Capital coverSCR ratio: own funds ÷ SCR
194%
ahead of 36%median 201%
Return on equity
— no profit or equity figures

Each bar runs from the weakest to the strongest of the insurers in Hungary with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Posta Biztosító1.0%1.0%1.0%1.0%0.8%
Agrár (Hagel) (branch)0.3%0.4%0.7%0.7%0.7%
Cardif0.5%0.4%0.5%0.5%0.4%
EUB0.1%0.3%0.3%0.3%0.3%
LegitiMo0.2%0.2%0.2%0.2%0.2%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Also in the BNP Paribas group

    5 companies in 4 markets · €344m premium, latest year

    All 5 on the BNP Paribas page →
    Hungarythis market1 company€7.9m
    Cardif Élet€7.9m
    Czechia1 company€183m
    BNP Paribas Cardif€183m
    Poland1 company€77m
    Cardif Polska€77m
    Slovakia1 company€54m
    BNP Paribas Cardif€54m

    Company details

    Legal name
    BNP Paribas Cardif Biztosító Magyarország Zártkörűen Működő Részvénytársaság
    Registered seat
    Budapest, Hungary
    Website
    bnpparibascardif.hu
    LEI
    2138007VDGVZLDMBWJ04

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Cardif

    Short answers from the figures on this page.

    What is Cardif's market share in Hungary?

    Cardif wrote €22.4m of premium in FY 2025, 0.4% of all premium in Hungary, ranking #21 of 25 insurers; its premium grew 8.5% on FY 2024 in HUF.

    Who owns Cardif?

    Cardif is part of the BNP Paribas group, which has 5 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does Cardif sell?

    Cardif is a non-life insurer; its largest lines in FY 2025 are health (54.1% of its premium), other non-life (30.1%) and property (14.3%).

    Is Cardif well capitalised?

    Cardif's SCR ratio was 194% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 201% for the insurers in Hungary.

    Is Cardif growing?

    Cardif's premium grew 8.5% in HUF in FY 2025, slower than the market in Hungary (+14.9%).

    Sources for this page

    Premium: MABISZ (Association of Hungarian Insurance Companies), quarterly report for Q4, per member: total, life, non-life and motor TPL (kgfb). Other lines, claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse

    Polisa compiles the figures; the original sources are named on this page and on the method page.

    APA

    Polisa. (2026). Cardif (Hungary): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/hu-cardif

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_hu_cardif_2026,
  author       = {{Polisa}},
  title        = {Cardif (Hungary): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/hu-cardif}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: MABISZ (written consent only, no commercial use), MNB (free with credit, unchanged), e-beszámoló (public filings, single figures), insurers' SFCRs (public disclosures, linked).