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SCOR
SCOR (SCR) investor relations material
SCOR Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Mar, 2026
Executive summary
Achieved full-year net income of EUR 846 million to EUR 851 million and Return on Equity of 19.1% to 19.2% for 2025, both exceeding targets.
All business segments—P&C, Life & Health, and Investments—contributed to strong results, supported by disciplined execution of the Forward 2026 plan.
EUR 170 million in cost savings realized after two years, one year ahead of target, keeping management expenses flat year-over-year.
Proposed dividend of EUR 1.9 per share for 2025, up 5.6% from the previous year, establishing a new floor under the dividend ratchet policy.
Solvency ratio at 215%, at the upper end of the target range.
Financial highlights
Q4 2025 net income reached EUR 208 million (EUR 214 million adjusted), with an annualized ROE of 20.4% to 21.1%.
Full-year insurance revenue was EUR 15,378 million to EUR 15.4 billion, with management expenses at EUR 1,225 million.
FY 2025 combined ratio improved to 82.3% (down 4.0 pts YoY); Q4 2025 combined ratio at 80.9% (down 2.2 pts YoY).
Investment income on invested assets was EUR 209 million in Q4 and EUR 835 million for the year, with a return of 3.5% to 3.6%.
Operating cash flow for FY 2025 was EUR 1,169 million, up 29.5% year-over-year.
Outlook and guidance
Positive outlook for all business segments, supported by satisfactory January renewals and a diversified model.
Confident in maintaining a P&C combined ratio below 87% for 2026.
Regular income yield expected between 3.4% and 3.8% in 2026.
Continued focus on capital generation and disciplined underwriting, with growth as an outcome rather than a target.
L&H insurance service result exceeded updated Forward 2026 guidance.
P&C revenue decline: impact on growth strategy?
Market variances impact on EV vs. Solvency ratio?
L&H: What drove exceeding Forward 2026 guidance?
Rating upgrade impact on market share growth
Why the significant OCG guidance increase
Future direction of risk adjustment confidence
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Next SCOR earnings date
Q1 20266 May, 2026
SCOR
Next SCOR earnings date
Q1 20266 May, 2026
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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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