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Visual21 Nov 2025
Data center suppliers
SCOR (SCR) investor relations material
SCOR Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net income reached EUR 217 million in Q3 2025, with adjusted net income at EUR 211 million and annualized ROE of 21.5%–22.1%, reflecting strong profitability and operational performance across all segments.
Economic Value increased by 12.7% at constant FX versus YE 2024, reaching EUR 8.5 billion, driven by P&C and investment performance.
Group solvency ratio stood at 210% as of September 30, 2025, at the upper end of the optimal range, supporting financial stability.
Focus remains on underwriting discipline, capital efficiency, and risk-adjusted returns amid a more competitive market.
Teams are encouraged to seek profitable opportunities without explicit growth targets, prioritizing long-term value creation.
Financial highlights
Q3 2025 net income was EUR 217 million (EUR 211 million adjusted), with a 21.5% ROE; 9M 2025 net income was EUR 642 million and 19.5% ROE.
Q3 2025 insurance revenue was EUR 3.7 billion, down 5.8% year-over-year; gross written premiums were EUR 4.6 billion, down 8.3%.
P&C combined ratio improved to 80.9% in Q3 2025 (down 7.5 pts year-over-year), well below the Forward 2026 assumption of <87%.
Life and health insurance service result of EUR 98 million in Q3 2025; year-to-date ISR at EUR 334 million, on track for EUR 400 million annual target.
Investment income yield at 3.5% for Q3 2025, with economic value per share at EUR 48.12 and return on invested assets at 3.3%.
Outlook and guidance
Full-year economic value growth expected to exceed Forward 2026 guidance of 9%, with annualized ROE above 12% and P&C combined ratio below 87%.
Life and health new business CSM/ESM on track for EUR 0.4 billion annual assumption, supported by solid CSM amortization.
Revenue growth targets are now outcomes, not objectives; focus is on market conditions and price adequacy.
Management expects to continue leveraging its Tier 1 franchise and execute the Forward 2026 plan with disciplined underwriting and buffer building.
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Frequently asked questions
SCOR SE is a global reinsurance company offering life and non-life reinsurance solutions to insurance companies. The company provides risk management and reinsurance services across various sectors, including property, casualty, life, health, and specialty insurance. SCOR’s non-life division focuses on covering risks such as natural disasters, industrial accidents, and liability claims, while the life division offers solutions related to mortality, longevity, and health risks. SCOR leverages actuarial expertise and financial strength to help insurers manage their risks and ensure stability. The company is headquartered in Paris, France, and its shares are listed on Euronext Paris.
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