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Investor Relations14 Oct 2025
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Folksam (FS) investor relations material
Folksam Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Sep, 2025
Executive summary
Improved profitability in H1 2025, with enhanced customer service and operational efficiency amid economic uncertainty.
Financial position remains strong, with high solvency and consolidation ratios across key entities.
Total premium volume stable at SEK 42 billion; total assets under management increased to SEK 937 billion.
Individual savings in Folksam Liv rose 53% to nearly SEK 5 billion.
Key strategic initiatives include cost control, digitalization, and sustainability commitments.
Financial highlights
Total premium volume for H1 2025: SEK 42 billion, unchanged year-over-year.
Assets under management: SEK 937 billion, up from SEK 891 billion year-over-year.
Folksam Sak premium income up 7% to SEK 9,009 million; improved technical result and cost ratio.
Folksam Liv premium income at SEK 33,081 million, slightly down due to payment timing effects.
Total returns: Folksam Liv 2.9%, Folksam Sak 3.7%, Folksam Tjänstepension 2.5%, KPA Tjänstepension 1.8%.
Outlook and guidance
Economic recovery in Sweden remains slow, but fiscal stimulus and potential further rate cuts may support households.
Export sector sentiment is improving, but global uncertainties persist due to tariffs and market volatility.
Folksam Sak cost ratio improvement drivers?
Tesla divestment: What was the key reason?
Folksam Liv: Why was return rate lowered?
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Next Folksam earnings date
Q4 202513 Feb, 2026
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Eferix Drawings Google Play
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Frequently asked questions
Folksam is a leading Swedish insurance company founded in 1908, focusing on a wide range of insurance and long-term savings products. The company serves approximately 4 million customers, managing around 600,000 claims annually. The company's insurance offerings are comprehensive, covering personal insurance savings, householders’ and houseowners’ insurance, commercial insurance for vehicles, boats, pets, and various types of group insurance catered to sports organizations, trade unions, and other entities. Folksam also facilitates pension savings and other forms of long-term savings. The company is headquartered in Stockholm, Sweden, and its shares are not listed on any stock exchange as it is a mutual company.
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