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Storebrand (STB) investor relations material

Storebrand Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary11 Jul, 2025

Executive summary

  • Achieved record Q2 operating and financial results with double-digit growth across key business lines, supported by strong customer trust and market share gains.

  • Continued focus on capital-light business and sustainability, with new renewable investments and recognition among the world's most sustainable companies.

  • Fee and administration income rose 10% year-over-year to NOK 2,070m in Q2, with operational result up 16% and cash equivalent earnings up 19% year-over-year to NOK 1,427m.

  • Robust balance sheet with 200% solvency ratio and annualized ROE of 18% in the quarter.

Financial highlights

  • Group cash-based earnings reached NOK 2.7 billion in Q2; operating result up 16% year-over-year to NOK 5.3 billion.

  • Group result before amortisation and tax reached NOK 2,594m in Q2 2025, up from NOK 1,427m in Q2 2024.

  • Insurance premiums increased 21% year-over-year, and unit linked reserves rose 12%.

  • Combined ratio improved to 91% from 97% in Q1; insurance portfolio annual premiums near SEK 12 billion, up 21% year-over-year.

  • Assets under management grew 16% year-over-year to NOK 1,507bn, including acquired business.

Outlook and guidance

  • Double-digit growth ambitions for 2025 with cost guidance of NOK 6.8 billion for the full year.

  • Combined ratio ambition for insurance set at 90–92% for the full year.

  • Capital Markets Day scheduled for December 10, 2025, to provide strategic and financial updates.

  • On track to achieve sustainability targets, including 32% CO2 reduction by 2025 and increased solution investments.

  • Profit sharing guidance for Norway and Sweden remains at NOK 300 million each, with potential upside if strong returns persist.

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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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