)
Samsung Life Insurance (A032830) investor relations material
Samsung Life Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Consolidated net profit for FY2025 rose 9.3% year-over-year to KRW 2.3 trillion, a record high, driven by profit-focused operations and improved fundamentals.
Insurance service results reached KRW 975 billion, supported by high-margin health products and better management of operating variances.
Investment profit totaled KRW 2 trillion, maintained despite market volatility, with a focus on ALM and risk management.
Shareholders' equity increased to KRW 64.8 trillion, up KRW 26.7 trillion year-to-date, mainly due to net profit and gains from Samsung Electronics share price.
Financial highlights
Total assets stood at KRW 351 trillion as of December 2025, with KRW 247 trillion in invested assets.
Insurance liabilities were KRW 201 trillion, including KRW 184 trillion for BEL, KRW 3 trillion for RA, and KRW 13.2 trillion for CSM.
CSM balance at year-end was KRW 13.2 trillion, up KRW 0.3 trillion, driven by new business and actuarial adjustments.
Dividend per share for FY2025 was KRW 5,300, an 18% increase year-over-year.
Outlook and guidance
Targeting new business CSM of at least KRW 3.2 trillion in 2026, up from KRW 3.1 trillion in 2025.
Aiming for a new business CSM multiple of 12x in 2026, up from 11x in 2025.
Focus on sustainable growth in core insurance and asset management, with digital and healthcare ecosystem expansion.
Committed to a midterm shareholder return target of 50%.
- Net profit up 40.5% YoY to KRW 1,369bn, led by health segment and investment gains.A032830
Q2 20242 Feb 2026 - Q3 net profit up 41.6% YoY, led by health insurance and investment growth.A032830
Q3 202413 Jan 2026 - Record profit, robust capital, and higher dividends driven by health segment growth.A032830
Q4 20248 Jan 2026 - Net profit up 2.1% YoY to ₩635.3bn, health CSM at record high, K-ICS ratio stable at 180%.A032830
Q1 202527 Dec 2025 - H1 2025 net profit up 1.9% to KRW 1.394T, with improved CSM, KICS, and ESG rating AA.A032830
Q2 202523 Nov 2025 - Net profit up 3.7% YoY, with strong capital, robust health CSM, and higher equity.A032830
Q3 202513 Nov 2025
Next Samsung Life Insurance earnings date
Next Samsung Life Insurance earnings date
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
Frequently asked questions
Explore our global coverage
)
)