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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Samsung Life Insurance
Samsung Life Insurance (032830) investor relations material
Samsung Life Insurance Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Nov, 2026
Executive summary
9M FY26 consolidated net profit was KRW2,686bn, up 26.9% YoY; investment profits grew 40.0%, while insurance service results fell 2.8% to KRW1,063bn.
CSM reached KRW14.3tn at Sep 2026, up KRW1.1tn YTD, and the K-ICS ratio was 209%.
Financial highlights
Q3 net profit was KRW792bn, up 9.6% YoY.
9M investment profits rose 40.0% to KRW2,399bn; Q3 investment profits fell 21.9% to KRW541bn.
9M insurance service results fell 2.8% to KRW1,063bn; Q3 results rose 102.4% to KRW529bn.
Expense variance improved 33% YoY; a favorable first-instance ordinary-wage ruling prompted a KRW52bn retirement benefit provision reversal.
Dividend income rose 12.8% YoY to KRW1,488bn in 9M FY26.
Outlook and guidance
Q4 insurance service results remain difficult to estimate; updated claims and lapse experience may cause CSM losses in some segments.
Q4 simplified-underwriting products will use loss-ratio assumptions of 90% or higher; expected impact is significantly below the KRW400bn Q2 impact from standard-policy assumption changes.
A Value-up roadmap, including progress toward a 50% shareholder return ratio by 2028, is planned by February or early 2027.
Overseas pre-tax earnings mix target is 20% or higher within 10 years, with expansion focused on growth markets and selective investment.
Mid-term ESG targets include net-zero carbon neutrality by 2050 and eco-friendly finance of KRW20tn or more by 2030.
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Latest events from Samsung Life Insurance
- Profit rose 19.7% as CSM and health-led new business expanded.032830
Q4 2023 - H1 2026 net profit up 35.8% YoY to KRW 1.97T, strong capital, CSM, and diversified growth.032830Q2 2026
- Q1 net income up 89.5%–90% YoY, CSM and health product sales surged, K-ICS ratio at 210%.032830Q1 2026
- FY2025 net profit rose 9.3% to KRW 2.3T, with record CSM and DPS up 18%; strong 2026 growth targeted.032830Q4 2025
- Net profit up 3.7% YoY, with strong capital, health CSM growth, and higher equity.032830Q3 2025
- H1 2025 net profit up 1.9% to KRW 1.394T, KICS at 187%, assets KRW 319.1T, ESG AA.032830Q2 2025
- Q3 net profit up 41.6% YoY, strong health insurance and capital, CSM at ₩13 trillion.032830Q3 2024
- Net profit up 40.5% to KRW 1.37T in H1 2024; health CSM leads; 50% payout ratio targeted.032830Q2 2024
- Q1 2025 net profit reached KRW 677.5B, assets KRW 318.9T, solvency margin 218.8%.032830Q1 2025
Next Samsung Life Insurance earnings date
Q4 202619 Feb, 2027
Samsung Life Insurance
Next Samsung Life Insurance earnings date
Q4 202619 Feb, 2027
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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.