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Samsung Fire & Marine Insurance
Samsung Fire & Marine Insurance (000810) investor relations material
Samsung Fire & Marine Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Feb, 2026
Executive summary
Pre-tax profit for FY2025 rose 1.4% year-over-year to KRW 2,783.3 billion, as strong investment returns offset declines in insurance profit.
Net profit attributable to majority interest was KRW 2,018.3 billion, maintaining the KRW 2 trillion level for two consecutive years despite a one-off corporate tax rate increase and a 2.7% year-over-year decline.
The Value-Up Plan was implemented, including treasury share cancellation and increased stake in Canopius, supporting future revenue and business synergies.
Total customers increased by 0.61 million to 13.43 million.
Financial highlights
Insurance profit declined 17.4% year-over-year to KRW 1,559.8 billion, while investment profit surged 43.5% to KRW 1,213.3 billion.
Insurance revenue increased 7.8% to KRW 18.66 trillion, with insurance expenses up 13.8%.
Investment income grew 9.1% to KRW 5.37 trillion; investment yield improved to 3.44%.
Auto insurance revenue was KRW 5,565.1 billion, flat year-over-year, but insurance profit turned to a KRW 159 billion deficit due to rate cuts and rising claims.
P&C insurance revenue rose 6.1% year-over-year, but profit declined 2.8% to KRW 170.8 billion due to higher loss ratios.
Outlook and guidance
Profitability pressure is expected to persist in 2026 due to ongoing competition and rising claims.
Strategic focus for 2026 includes business model innovation, CSM growth, global expansion, and AI-driven process innovation.
Plans include revamping auto insurance pricing, rebalancing P&C portfolio, and expanding global business, especially through Canopius and Samsung Re.
Targeting a 50% shareholder payout ratio by 2028, with progressive increases planned.
What is the timeline for 220% KICS target?
How to stabilize CSM adjustment variability?
Auto insurance: Path to profit-making structure?
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Next Samsung Fire & Marine Insurance earnings date
Q1 202613 May, 2026
Samsung Fire & Marine Insurance
Next Samsung Fire & Marine Insurance earnings date
Q1 202613 May, 2026
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Frequently asked questions
Samsung Fire & Marine Insurance Co., Ltd. is a South Korea-based company engaged in providing a range of insurance products and services. The company offers property and casualty insurance, life and health insurance, and reinsurance solutions to individual and corporate clients. Its portfolio includes auto, fire, marine, and liability insurance policies, along with risk management services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX.
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