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Solid Försäkring (SFAB) investor relations material
Solid Försäkring Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Profitability and technical profit increased, with underlying sales growth in Personal Safety and Assistance segments, despite headline declines in gross written premiums and net earned premiums year-over-year.
Technical result excluding investment return rose 4% year-over-year in Q3, driven by improved profitability and strong sales in Personal Safety and Assistance.
New partnership established with Klarsynt to expand product insurance offerings for eyewear, launching later in 2025.
Asset management results declined due to lower market interest rates, impacting profit before tax, which dropped 11% year-over-year in Q3.
Combined ratio improved to 87.6% in Q3 and 89.3% for the nine months, both below the <90% target.
Financial highlights
Gross written premiums (GWP) decreased by 11% year-over-year in Q3, but increased by 5% when adjusted for portfolio changes.
Net earned premiums (NEP) decreased by 10% year-over-year, flat when adjusted.
Q3 technical result: KSEK 38,474 (-1% YoY); profit before tax: KSEK 55,726 (-11% YoY); EPS: SEK 2.42 (-9% YoY).
Profit from the investment portfolio was 22.2 MSEK in Q3, down from 30.3 MSEK last year.
9M gross written premiums: KSEK 740,329 (-12% YoY); premiums earned, net: KSEK 802,168 (-6% YoY).
Outlook and guidance
Strong solvency capital position with SCR ratio at 203%, up 10 percentage points from the previous quarter, supporting future growth and resilience.
Financial targets: annual premiums earned growth of 4–7% (actual: -6%/+0% adjusted), combined ratio <90% (actual: 89.3%), RoNAV >14% (actual: 17.8%), SCR ratio ≥150% (actual: 203%).
Dividend policy: at least 50% of net profit, subject to SCR target and no major acquisitions.
Detail Q3 adjusted GWP growth drivers
Impact of asset management on Q3 profit?
Reasons for 9M operating cash flow decline?
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Next Solid Försäkring earnings date
Q4 20256 Feb, 2026
Next Solid Försäkring earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
Solid Försäkring provides niche insurance products, including consumer-related coverage such as travel, product, and vehicle insurance. The company distributes its services through partnerships with retailers and other distribution partners across Nordic and European markets. The company is headquartered in Helsingborg, Sweden, and its shares are listed on the STO.
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