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Swiss Re (SREN) investor relations material
Swiss Re Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net income reached USD 4.0 billion for the first nine months of 2025, up from USD 2.2 billion year-over-year, with an annualized ROE of 22.5%, positioning the group to meet its >USD 4.4 billion full-year net income target.
Strong underwriting in P&C Re and Corporate Solutions, aided by low natural catastrophe losses and disciplined portfolio management.
Investment returns remained robust, with ROI at 4.1% for the period.
Group SST ratio estimated at 268% as of October 1, 2025, above the 200-250% target range.
Focus remains on disciplined underwriting, portfolio quality, and enhancing business resilience across all segments.
Financial highlights
Insurance revenue for the first nine months was USD 32.0 billion, down from USD 33.7 billion year-over-year, mainly due to portfolio pruning and business exits.
Net income for 9M 2025 was USD 4.0 billion, up from USD 2.2 billion in 9M 2024.
Earnings per share rose to USD 13.24 (CHF 11.18) for 9M 2025.
Insurance service result rose to USD 4.8 billion from USD 2.9 billion year-over-year.
Book value per share increased to USD 82.48 (CHF 65.62) as of 30 September 2025.
Outlook and guidance
Confident in achieving the group net income target of over USD 4.4 billion for the year.
Combined ratio targets for P&C Re (<85%) and Corporate Solutions (<91%) are expected to be achieved.
Life & Health Re is not expected to meet its full-year net income target of approximately USD 1.6 billion due to assumption updates.
Financial targets for 2026 will be announced at the December 5 management dialogue event.
L&H Re: Future impact of portfolio strengthening?
Assess strategic impact of revenue pruning actions.
Given 268% SST, capital deployment strategy?
L&H Re experience variance glide path?
Impact of portfolio quality on 2H revenue guidance?
P&C Re/CorSo new business CSM outlook?
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Status Update5 Dec, 2025
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Frequently asked questions
Swiss Re AG provides reinsurance, insurance, and risk transfer solutions to corporate and institutional clients. The company operates in property and casualty, life and health reinsurance, as well as specialty and alternative risk markets. It also engages in capital management and actuarial services. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
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