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SCOR (SCR) investor relations material
SCOR Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income reached EUR 226 million in Q2 2025, with H1 2025 net income between EUR 420–425 million and adjusted ROE of 22.6% for the quarter and 20.1% for H1.
P&C combined ratio improved to 82.5% in Q2 2025, reflecting low natural catastrophe losses and strong attritional performance.
Economic Value grew 10.5% year-over-year, reaching EUR 8.5 billion at Q2 2025.
Group solvency ratio stood at 210% as of June 30, 2025, at the upper end of the optimal range.
Strategic focus on profitable, diversifying lines and proactive capital allocation under the Forward 2026 plan.
Financial highlights
Q2 2025 insurance revenue was EUR 3.8 billion, down 6.5% year-over-year; H1 2025 insurance revenue was EUR 7.8 billion, down 3.8%.
Q2 net income of EUR 226 million, with a 22.6% ROE and 3.6% return on invested assets; regular income yield was 3.5%.
Operating cash flow in Q2 2025 was EUR 395 million, up from EUR 134 million in Q2 2024.
Gross written premiums in Q2 2025 were EUR 4,661 million, down 8.2% year-over-year.
Earnings per share were EUR 1.26 in Q2 2025, compared to EUR -1.72 in Q2 2024.
Outlook and guidance
P&C insurance revenue growth for 2025 revised to flat due to FX and contract commutation, but Forward 2026 plan guidance of 4–6% growth maintained.
Forward 2026 assumptions include annualized ROE above 12%, P&C combined ratio below 87%, and regular income yield between 3.3% and 3.7%.
Expects continued overcapacity and competition in reinsurance, but remains focused on underwriting discipline and capital redeployment.
Confident in achieving full-year objectives and maintaining a robust pipeline of new business opportunities.
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Q3 202531 Oct, 2025
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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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