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Samsung Life Insurance (A032830) investor relations material
Samsung Life Insurance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Net profit attributable to controlling shareholders rose 3.7% year-over-year to KRW 2.1171 trillion for 9M FY25, driven by strong investment profits and stable insurance service results.
CSM balance increased by KRW 1.1 trillion year-to-date to KRW 14 trillion as of September 2025, reflecting quality new business and assumption changes.
New business CSM reached KRW 2.3 trillion year-to-date, with health CSM up 23.9% year-over-year to KRW 1.7517 trillion, driving overall growth.
Shareholders' equity rose by KRW 8.2 trillion year-to-date to KRW 40.9 trillion, supported by profit growth and higher SEC share price.
Financial highlights
New business CSM margins remain robust at 11.5x for all policies and 16.8x for health products.
RBC/K-ICS ratio improved to 193% as of September 2025, up 6 percentage points from Q2, maintaining strong capital adequacy.
Investment profits grew 11.9% year-over-year to KRW 1.713 trillion, with notable gains from dividends and real estate disposals.
Insurance service results declined 7.9% year-over-year due to increased CSM losses and operating variance.
Third quarter included a one-off real estate disposal gain; no similar disposals expected in the near term.
Outlook and guidance
Investment gains for Q4 and 2026 are expected to remain stable if current interest and FX rates persist.
CSM adjustments at year-end are projected to be similar to last year, with no major one-off factors anticipated.
Targeting improvement in ROE through recurring profit growth and increasing shareholder return ratio toward 50%.
Focus remains on high-margin product sales, stable net CSM growth, and strengthening distribution channels.
What's driving the decline in insurance service results?
How does SEC share price volatility affect K-ICS?
What's the strategy for channel-driven NB CSM growth?
Future SEC share disposal dividend policy?
Private credit investment strategy post-Hayfin?
Future product mix to sustain CSM growth?
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Next Samsung Life Insurance earnings date
Q4 202519 Feb, 2026
Next Samsung Life Insurance earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
Samsung Life Insurance Co., Ltd. is a financial services company specializing in life insurance, retirement planning, and asset management solutions. The company offers a range of insurance products, including term life, whole life, annuities, health, and investment-linked policies, catering to individuals and businesses. Samsung Life also provides wealth management and financial advisory services. The company is headquartered in Seoul, South Korea, and its shares are listed on the KRX.
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