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Swiss Re
Swiss Re (SREN) investor relations material
Swiss Re Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
Achieved record group net income of USD 4.8 billion in 2025, surpassing the USD 4.4 billion target, with ROE at 19.6%–20%.
Strong underwriting, investment returns, and cost savings drove results; P&C and Corporate Solutions outperformed, while L&H Re was impacted by portfolio reviews.
Strengthened group resilience through portfolio reviews, reserve additions, and disciplined risk management.
Completed withdrawal from iptiQ, with all parts sold or in runoff.
Cost savings of over USD 100 million delivered, supporting increased capital repatriation.
Financial highlights
Group net income rose to USD 4.8 billion (up from USD 3.2 billion); EPS at USD 15.67.
Insurance revenue was USD 43.1 billion, down from USD 45.6 billion year-over-year.
P&C Reinsurance combined ratio improved to 79.4%; Corporate Solutions at 86.5%.
L&H Re net income was USD 1.3 billion, impacted by assumption updates and adverse experience.
Return on investment was 4.0%; recurring income yield 4.2%; SST ratio at 250% as of Jan 2026.
Outlook and guidance
2026 targets: Group net income USD 4.5 billion; L&H Re net income USD 1.7 billion.
Combined ratio targets: P&C Re <85%, Corporate Solutions <91%, with normalized P&C Re range of 84–84.5%.
Dividend per share growth aspiration of at least 7% per year for 2025–2027.
Expense reduction program on track for USD 300 million run-rate savings by 2027.
Market conditions expected to remain competitive, especially in Nat Cat, with stable terms and conditions.
Rationale for extraordinary share buyback
L&H Re's path to increased 2026 net income target
Impact of P&C Re's net price decrease in renewals
L&H Re: 2026 target confidence post-review
P&C Re: Net price change impact on 2026 CR
Capital: Balance of generation and repatriation
P&C Re combined ratio path to <85% target
Reconcile retro reduction with resilience goals
L&H Re 2026 target after 2025 assumption changes
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Next Swiss Re earnings date
Q1 20267 May, 2026
Swiss Re
Next Swiss Re earnings date
Q1 20267 May, 2026
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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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