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Skagi (SKAGI) investor relations material
Skagi Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Achieved best quarterly insurance results since listing, with 8.9% YoY insurance revenue growth in Q2 2025 and strong operational metrics.
Group profit reached ISK 972m in Q2, but a loss of ISK 380m was recorded in 1H 2025 due to weak equity markets.
Financial services revenue grew 120% YoY in Q2 and 58% in 1H 2025, with focus on scaling profitability.
Investment income was muted, with a 1.2% return in Q2 and a loss of ISK 1,184m in the listed equity portfolio in 1H 2025.
Group assets at period end were ISK 82bn; equity stood at ISK 21.4bn.
Financial highlights
Core revenue for Q2 2025 was ISK 8,587m, up 14% YoY.
Group profit before tax was ISK 1,267m in Q2, up 342% YoY; profit after tax was ISK 972m, up 606% YoY.
Insurance revenue up 9.9% YoY and life/health insurance up 11.5% YoY in 1H 2025.
Combined ratio improved to 80.9% in Q2 and 90.6% in 1H 2025.
Net financial income was negative ISK 1,241m in 1H 2025.
Outlook and guidance
Combined ratio guidance for 2025 updated to 92–95% due to strong performance.
Financial services revenue guidance for 2025 set at ISK 2.9–3.5bn; AuM target of ISK 250bn for 2026.
Expected return on insurance investment assets is 10%.
All long-term targets on track, with focus on further growth and profitability.
What are the key drivers of future growth?
Discuss competitive advantages.
Address potential risks.
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