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Skagi
Skagi (SKAGI) investor relations material
Skagi Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary18 Feb, 2026
Executive summary
Core profits before tax tripled year-over-year, driven by strong operational improvements in insurance and financial services.
Consolidated profit for 2025 was ISK 1,902 million, with a return on equity of 8.6%.
Best insurance result in VÍS history, with insurance profits doubling and revenue growth outpacing the market.
Financial services revenues grew 36% year-over-year, with significant profit increases and successful integration of acquired businesses.
Good progress in merger discussions with Íslandsbanki, with anticipated synergies and enhanced capabilities.
Financial highlights
Full-year insurance service result rose 101% to 2,970m ISK; insurance revenue up 9.5% to 31,959m ISK.
Financial services income increased 36% to 3,188m ISK; pre-tax profit from core operations up 3x to 2,417m ISK.
Net operating income grew 8% to 6,148m ISK; operating expenses rose 18% to 3,508m ISK.
Group profit after tax fell 16% to 1,902m ISK, with ROE at 8.6% (down from 10.8%).
Investment income return was 5.2%, below the 10% target and long-term average.
Outlook and guidance
2026 targets include combined ratio below 93.5%, financial services revenue above 3,500m ISK, and AuM over 270bn ISK.
Updated investment return target for 2026 is 9.5%.
Ongoing focus on cost measures, synergies, and further scale economies in financial services.
Dividend proposal for 2025 is ISK 760 million, or 40% of after-tax profit.
Evaluate Skagi's implied valuation from Íslandsbanki merger
Explain the significant drop in net financial income
Analyze Skagi's low EU Taxonomy alignment
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Next Skagi earnings date
Q1 202629 Apr, 2026
Skagi
Next Skagi earnings date
Q1 202629 Apr, 2026
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