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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.
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Q3 2025 earnings summary22 Oct, 2025

Executive summary

  • Record-high Q3 2025 profit of NOK 1,586 million, up 5% year-over-year, with strong growth across all business segments and robust solvency.

  • Operational result reached NOK 1,091 million, a 16% increase year-over-year.

  • Kjetil R. Krøkje appointed as new CFO, succeeding Lars Løddesøl.

  • Strategic focus on sustainability, digitalization, and capital-light business areas as growth enablers.

  • Leading Nordic provider of life insurance, pensions, and asset management, serving retail, corporate, and public sector clients.

Financial highlights

  • Group result for Q3 2025: NOK 1,586 million; YTD 2025: NOK 4,180 million.

  • Earnings per share at NOK 3.08, with cash EPS for Q3 2025 at 3.12.

  • Assets under management (AUM) grew 16% year-over-year to NOK 1,561 billion.

  • Insurance premiums exceeded NOK 10 billion, up 20% from last year.

  • Solvency II ratio at 195% as of Q3 2025.

Outlook and guidance

  • Double-digit growth ambition for 2025, with cost guidance of NOK 6.9 billion for the year.

  • Dividend and buyback programs continue, with NOK 1.5 billion buyback approval for 2025 and ambition to reach NOK 12 billion by 2030.

  • VAT Act changes expected to increase costs by NOK 100 million annually from H2 2026; mitigation measures underway.

  • Combined ratio ambition remains at 92% or less, but strong sales and weather claims may push it higher in 2025.

  • Continued focus on growing non-guaranteed savings and asset management.

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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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