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Storebrand (STB) investor relations material
Storebrand Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Record-high Q3 2025 profit of NOK 1,586 million, up 5% year-over-year and 11% sequentially, driven by growth, cost control, and improved insurance results.
Operational result reached NOK 1,091 million, a 16% increase year-over-year, with fee and administration income up 8% to NOK 2,124 million.
Double-digit growth continues across all business segments, with strong positions in occupational pensions, asset management, and retail financial services.
Strategic focus on sustainability, digitalization, and capital-light business areas as growth enablers.
Kjetil R. Krøkje appointed as new CFO, succeeding Lars Løddesøl.
Financial highlights
Group profit before amortisation and tax (IFRS) was NOK 1,807 million in Q3 2025, up from NOK 1,396 million in Q3 2024.
Insurance premiums exceeded NOK 10 billion, up 20% year-over-year; AUM grew 16% to NOK 1,561 billion.
Earnings per share at NOK 3.08; cash EPS for Q3 2025 was 3.12.
Annualized return on equity at 19% in Q3 2025.
Solvency II ratio at 195% at quarter-end, down from 200% last quarter, mainly due to buybacks and accrued dividends.
Outlook and guidance
Double-digit growth ambition for 2025, with cost guidance of NOK 6.9 billion for the year.
Combined ratio ambition remains at 90-92%, but strong sales and weather claims may push it higher in 2025.
Dividend growth expected to be consistent with previous years, with share buybacks planned if solvency margin remains above 175%.
VAT Act changes expected to increase costs by NOK 100 million annually from H2 2026; mitigation measures underway.
AIP Management expected to contribute positively from 2026 after current fundraising delays.
AIP profitability outlook and capital attraction
Mitigation for NOK 100M VAT cost impact
Savings segment profit despite AUM growth
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Next Storebrand earnings date
CMD 202510 Dec, 2025
Next Storebrand earnings date
CMD 202510 Dec, 2025
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Frequently asked questions
Storebrand ASA, through its subsidiaries, primarily provides insurance products and services in Norway, the United States, Japan, and Sweden. The company operates in two segments: Corporate Businesses and Retail. The Corporate Businesses segment is engaged in providing property and casualty insurance products to businesses in Norway; life insurance services through a joint venture arrangement with another company in Norway; mergers services; advisory services to third parties;; marketing consulting services to other non-life insurance companies; and project management services such as party wall liability insurance.
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